# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-26-000678
**Filing Date:** 2026-2
**Character Count:** 2486404
**Document Hash:** 213d3282b2cab6833e43b2d086d70c2d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000678.hdr.sgml**: 20260218

**ACCESSION NUMBER**: 0000929638-26-000678

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20260218

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

**FILED AS OF DATE**: 20260218

**DATE AS OF CHANGE**: 20260218

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 26647140

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period ______________ to ______________.

Date of Report (Date of earliest event reported): ______________<br>Commission File Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________<br>Central Index Key Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________<br>

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2026-CD2</u>

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

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

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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.

------

#### 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.

Dated: February 18, 2026

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. |
| (Depositor) | (Depositor) | (Depositor) |
| By:&nbsp;&nbsp;&nbsp;&nbsp; | <u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Jeremy Strom&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Jeremy Strom&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Jeremy Strom |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 AMC Loan Securitization Report Set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Supplemental Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2026-CD2 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### February 13, 2026<br>

### <br>

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![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **8**<br>|
| **Clayton Third Party Reports Delivered** | **9**<br>|
| **Appendix A: Credit Review Scope** | **10**  |
| **Appendix B: Origination Appraisal Assessment**<br>| **13**  |
| **Appendix C: Regulatory Compliance Review Scope** | **16**<br>|

---

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 1 February 13, 2026

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![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 346 residential loans selected for the SEMT 2026-CD2 transaction. The due diligence for Redwood (346 loans) took place between November, 2025 and February, 2026.

The loans referenced in this narrative report were reviewed at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 26 | 7.51% |
| Correspondent Flow without delegated underwriting | 76 | 21.97% |
| Retail | 244 | 70.52% |
| **Total** | **346** | **100.00%** |

---

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

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

------

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

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 2 February 13, 2026

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![](clayton_logo.gif)

SAMPLING

For all originators in this transaction the loans received a Full Review. For Redwood Trust all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton*** | ***Scope Applied*** |
| **Full Review** | 346 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 10 <br>| Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 356 |  |

---

SPONSOR ACQUISITION CRITERIA

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

LOAN GRADING

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

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 3 February 13, 2026

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![](clayton_logo.gif)

initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

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

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

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

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

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

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

<br> - Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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

◾ Value Supported Analysis

Clayton 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:

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 4 February 13, 2026

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![](clayton_logo.gif)

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

<br> - Notice of Right to Cancel (Right of Rescission) adherence if applicable;

<br> - TIL Disclosure Timing (3/7/3) and disclosure content;

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

<br> - Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

<br> - Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

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

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.<br>

<br> - Prepayment Penalty restrictions.

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

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 5 February 13, 2026

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![](clayton_logo.gif)

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

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

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

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

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 6 February 13, 2026

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![](clayton_logo.gif)

DATA COMPARE RESULTS

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 80 | 76.88% |
| Debt to Income Ratio (Back) | 345 | 0.29% |
| Original Balance | 4 | 98.84% |
| Original LTV | 79 | 77.17% |

---

Clayton received the following data fields listed below from RWT and provided a summary of the discrepancies above. We did not include the deltas found for borrower names and addresses for PII purposes.

---

| | |
|:---|:---|
| **Data Provided** | **Clayton provided Delta's** |
| **Borrower 1 First Time Home Buyer** | **No** |
| **Combined LTV** | **Yes** |
| **Debt to Income Ratio** | **Yes** |
| **Loan Purpose** | **No** |
| **Note Rate** | **No** |
| **Occupancy Type** | **No** |
| **Original Balance** | **Yes** |
| **Original LTV** | **Yes** |
| **Prepay Penalty Term** | **No** |
| **Property Type** | **No** |
| **Representative Credit Score for Grading** | **No** |
| **Sales Price** | **No** |
| **Borrower 1 First Name** | **No** |
| **Borrower 1 Last Name** | **No** |
| **Property City** | **No** |
| **Property Street Address** | **No** |
| **Property Zip** | **No** |

---

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 7 February 13, 2026

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![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 141 | 26 | 37 | 71 | **275** |
| **Final** | **B** |  | 17 | 26 | 28 | **71** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **141** | **43** | **63** | **99** | **346** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 229<br>| 24 | 22 | 48 | **323** |
| **Final** | B |  | 7 | 7<br>| 9<br>| **23** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **229** | **31** | **29** | **57** | **346** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 317 |  | 2 | 24 | **343**<br>|
| **Final** | B |  | 2<br>| 1<br>|  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **317** | **2** | **3**<br>| **24** | **346** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 209<br>| 18<br>| 29 <br>| 37 | **293** |
| **Final** | B |  | 19 | 21 <br>| 12 | **52**<br>|
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **209** | **37** | **50** | **49** | **345** |

---

The total count of loans that received a compliance review (345 loans) varies from the overall pool count (346 loans) due to investor loans not having applicability for compliance results.

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

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

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

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

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

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

<br> - Initial loan application was in the loan file and was signed by all borrowers

<br> - Final loan application was in the loan file and was complete

<br> - Information and debts disclosed on loan application aligned with related documentation in the loan file

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

<br> - Verbal and/or written verifications of employments (VVOE, VOE)

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

<br> - Required income documentation for all borrowers was present and within required time period

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

<br> - Income was recalculated and was documented with applicable documentation, including:

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

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<br> ◾ W-2s

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

<br> - Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

<br> - Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

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

<br> - Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

<br> - Funds to close identified and analyzed against borrower's assets

<br> - Seller contributions did not exceed maximum allowed

<br> - Subject property, seller and borrower aligned with other loan documentation

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

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<br> o Hazard/Flood insurance review included:

<br> - Verified presence of required hazard insurance and flood insurance (if required)

<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

<br> - Reviewed for evidence that any required insurance policy premium was paid

<br> - Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

<br> - FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

<br> - FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

<br> - FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

<br> o Appraisal report was reasonably complete and included:

<br> - Appraisal report form, certification, statement of limiting conditions and scope of work

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

<br> - Accurate identification of the property type, in both land and improvements

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

<br> - Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

<br> - If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

<br> o Title XI of FIRREA:

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

<br> - Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

<br> o USPAP

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

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

<br> - Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

<br> - Comps used were reasonably recent in transaction date and if not the reason was furnished

<br> - Comps used were reasonably similar to the subject property and if not an explanation was supplied

<br> - Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

---

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

<br> - Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

<br> - Property usage was reviewed for zoning compliance

<br> - Property utilization was reviewed to determine it was "highest and best use"

<br> - Neighborhood values were reviewed to determine if declining

<br> - Market conditions were reviewed to determine indication of possible marketability issues:

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

<br> - Physical condition of the property was reviewed to determine that the property condition was average or better

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

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<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

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

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

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

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value. |

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APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE

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

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

---

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

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

**Truth in Lending Act and Regulation Z** – (continued)

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

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

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

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

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is <br>

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only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

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

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&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

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

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

#### <br>

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

<br>© 2026 Clayton Services LLC. All rights reserved.

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

SEMT 2026-CD2 Due Diligence Narrative Report Page \| 20<br> February 13, 2026

## Exhibit 99.2

---

| | | | |
|:---|:---|:---|:---|
| **Client Name:** | Redwood Trust |  |  |
| **Client Project Name:** | SEMT 2026-CD2 |  |  |
| **Deal Loan Count:** | 346 |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *346* |  |  |
| **Loan Number** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409017452 | Combined LTV | XXXXX | XXXXX |
| 409017452 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017452 | Original LTV | XXXXX | XXXXX |
| 409021212 | Combined LTV | XXXXX | XXXXX |
| 409021212 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021212 | Original LTV | XXXXX | XXXXX |
| 409021872 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023782 | Combined LTV | XXXXX | XXXXX |
| 409023782 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023782 | Original LTV | XXXXX | XXXXX |
| 409023840 | Combined LTV | XXXXX | XXXXX |
| 409023840 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023840 | Original LTV | XXXXX | XXXXX |
| 409023957 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023959 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024251 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024815 | Combined LTV | XXXXX | XXXXX |
| 409024815 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024815 | Original LTV | XXXXX | XXXXX |
| 409025150 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025650 | Combined LTV | XXXXX | XXXXX |
| 409025650 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025650 | Original LTV | XXXXX | XXXXX |
| 409025652 | Combined LTV | XXXXX | XXXXX |
| 409025652 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025652 | Original LTV | XXXXX | XXXXX |
| 409025723 | Combined LTV | XXXXX | XXXXX |
| 409025723 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025723 | Original LTV | XXXXX | XXXXX |
| 409026210 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026223 | Combined LTV | XXXXX | XXXXX |
| 409026223 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026223 | Original LTV | XXXXX | XXXXX |
| 409026277 | Combined LTV | XXXXX | XXXXX |
| 409026277 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026277 | Original LTV | XXXXX | XXXXX |
| 409026283 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026343 | Combined LTV | XXXXX | XXXXX |
| 409026343 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026343 | Original LTV | XXXXX | XXXXX |
| 409026362 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026568 | Combined LTV | XXXXX | XXXXX |
| 409026568 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026568 | Original LTV | XXXXX | XXXXX |
| 409026610 | Combined LTV | XXXXX | XXXXX |
| 409026610 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026610 | Original LTV | XXXXX | XXXXX |
| 409026652 | Combined LTV | XXXXX | XXXXX |
| 409026652 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026652 | Original LTV | XXXXX | XXXXX |
| 409026659 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027015 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027039 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027045 | Combined LTV | XXXXX | XXXXX |
| 409027045 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027045 | Original LTV | XXXXX | XXXXX |
| 409028859 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409028991 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029106 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029201 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029335 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029781 | Combined LTV | XXXXX | XXXXX |
| 409029781 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029781 | Original LTV | XXXXX | XXXXX |
| 409030507 | Combined LTV | XXXXX | XXXXX |
| 409030507 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030507 | Original LTV | XXXXX | XXXXX |
| 409030511 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030542 | Combined LTV | XXXXX | XXXXX |
| 409030542 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030542 | Original LTV | XXXXX | XXXXX |
| 409030564 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030584 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030619 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030627 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030633 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030646 | Combined LTV | XXXXX | XXXXX |
| 409030646 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030646 | Original LTV | XXXXX | XXXXX |
| 409030878 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030991 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031070 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031082 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031096 | Combined LTV | XXXXX | XXXXX |
| 409031096 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031096 | Original LTV | XXXXX | XXXXX |
| 409031116 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031123 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031153 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031161 | Combined LTV | XXXXX | XXXXX |
| 409031161 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031161 | Original LTV | XXXXX | XXXXX |
| 409031184 | Combined LTV | XXXXX | XXXXX |
| 409031184 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031184 | Original LTV | XXXXX | XXXXX |
| 409031185 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031230 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031240 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031256 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031265 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031266 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031271 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031278 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031446 | Combined LTV | XXXXX | XXXXX |
| 409031446 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031446 | Original LTV | XXXXX | XXXXX |
| 409031449 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031534 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031539 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031544 | Combined LTV | XXXXX | XXXXX |
| 409031544 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031544 | Original LTV | XXXXX | XXXXX |
| 409031550 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031558 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031581 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031590 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031595 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031616 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031616 | Original Balance | XXXXX | XXXXX |
| 409031639 | Combined LTV | XXXXX | XXXXX |
| 409031639 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031639 | Original LTV | XXXXX | XXXXX |
| 409031642 | Combined LTV | XXXXX | XXXXX |
| 409031642 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031642 | Original LTV | XXXXX | XXXXX |
| 409031647 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031657 | Combined LTV | XXXXX | XXXXX |
| 409031657 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031657 | Original LTV | XXXXX | XXXXX |
| 409031672 | Combined LTV | XXXXX | XXXXX |
| 409031672 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031672 | Original LTV | XXXXX | XXXXX |
| 409031694 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031702 | Combined LTV | XXXXX | XXXXX |
| 409031702 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031702 | Original LTV | XXXXX | XXXXX |
| 409031705 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031821 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031826 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031827 | Combined LTV | XXXXX | XXXXX |
| 409031827 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031827 | Original LTV | XXXXX | XXXXX |
| 409031829 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031837 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031845 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032134 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032140 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032143 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032145 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032161 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032166 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032166 | Original Balance | XXXXX | XXXXX |
| 409032175 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032229 | Combined LTV | XXXXX | XXXXX |
| 409032229 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032229 | Original LTV | XXXXX | XXXXX |
| 409032230 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032260 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032262 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032381 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032384 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032385 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032388 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032396 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032420 | Combined LTV | XXXXX | XXXXX |
| 409032420 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032420 | Original LTV | XXXXX | XXXXX |
| 409032491 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032555 | Combined LTV | XXXXX | XXXXX |
| 409032555 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032555 | Original LTV | XXXXX | XXXXX |
| 409032561 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032568 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032571 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032574 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032585 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032600 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032605 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032614 | Combined LTV | XXXXX | XXXXX |
| 409032614 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032614 | Original LTV | XXXXX | XXXXX |
| 409032626 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032634 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032735 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032743 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032749 | Combined LTV | XXXXX | XXXXX |
| 409032749 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032749 | Original LTV | XXXXX | XXXXX |
| 409032760 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032763 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032768 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032773 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032779 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032780 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032782 | Combined LTV | XXXXX | XXXXX |
| 409032782 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032782 | Original LTV | XXXXX | XXXXX |
| 409032929 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032930 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032931 | Combined LTV | XXXXX | XXXXX |
| 409032931 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032931 | Original LTV | XXXXX | XXXXX |
| 409032933 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032943 | Combined LTV | XXXXX | XXXXX |
| 409032943 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032943 | Original LTV | XXXXX | XXXXX |
| 409032944 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032945 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032962 | Combined LTV | XXXXX | XXXXX |
| 409032962 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032962 | Original LTV | XXXXX | XXXXX |
| 409032974 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032977 | Combined LTV | XXXXX | XXXXX |
| 409032977 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032977 | Original LTV | XXXXX | XXXXX |
| 409032983 | Combined LTV | XXXXX | XXXXX |
| 409032983 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032983 | Original LTV | XXXXX | XXXXX |
| 409033000 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033001 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033012 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033187 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033237 | Combined LTV | XXXXX | XXXXX |
| 409033237 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033237 | Original LTV | XXXXX | XXXXX |
| 409033244 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033245 | Combined LTV | XXXXX | XXXXX |
| 409033245 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033245 | Original LTV | XXXXX | XXXXX |
| 409033268 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033279 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033284 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033287 | Combined LTV | XXXXX | XXXXX |
| 409033287 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033287 | Original LTV | XXXXX | XXXXX |
| 409033298 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033299 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033300 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033316 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033320 | Combined LTV | XXXXX | XXXXX |
| 409033320 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033320 | Original LTV | XXXXX | XXXXX |
| 409033327 | Combined LTV | XXXXX | XXXXX |
| 409033327 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033327 | Original LTV | XXXXX | XXXXX |
| 409033331 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033345 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033355 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033359 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033383 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033384 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033385 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033387 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033392 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033410 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033413 | Combined LTV | XXXXX | XXXXX |
| 409033413 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033413 | Original LTV | XXXXX | XXXXX |
| 409033450 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033460 | Combined LTV | XXXXX | XXXXX |
| 409033460 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033460 | Original LTV | XXXXX | XXXXX |
| 409033470 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033475 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033485 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033495 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033507 | Combined LTV | XXXXX | XXXXX |
| 409033507 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033507 | Original LTV | XXXXX | XXXXX |
| 409033769 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033770 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033775 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033776 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033777 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033787 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033796 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033798 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033799 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033812 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033874 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033877 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033878 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033879 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033880 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033882 | Combined LTV | XXXXX | XXXXX |
| 409033882 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033882 | Original LTV | XXXXX | XXXXX |
| 409033883 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033886 | Combined LTV | XXXXX | XXXXX |
| 409033886 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033886 | Original LTV | XXXXX | XXXXX |
| 409033892 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033898 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033898 | Original Balance | XXXXX | XXXXX |
| 409033900 | Combined LTV | XXXXX | XXXXX |
| 409033900 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033900 | Original LTV | XXXXX | XXXXX |
| 409033912 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033985 | Combined LTV | XXXXX | XXXXX |
| 409033985 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033985 | Original LTV | XXXXX | XXXXX |
| 409033996 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033998 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034001 | Combined LTV | XXXXX | XXXXX |
| 409034001 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034001 | Original LTV | XXXXX | XXXXX |
| 409034005 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034007 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034015 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034030 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034033 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034038 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034045 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034046 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034055 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034059 | Combined LTV | XXXXX | XXXXX |
| 409034059 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034059 | Original LTV | XXXXX | XXXXX |
| 409034060 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034067 | Combined LTV | XXXXX | XXXXX |
| 409034067 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034067 | Original LTV | XXXXX | XXXXX |
| 409034071 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034079 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034097 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034100 | Combined LTV | XXXXX | XXXXX |
| 409034100 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034100 | Original LTV | XXXXX | XXXXX |
| 409034125 | Combined LTV | XXXXX | XXXXX |
| 409034125 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034125 | Original LTV | XXXXX | XXXXX |
| 409034149 | Combined LTV | XXXXX | XXXXX |
| 409034149 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034149 | Original LTV | XXXXX | XXXXX |
| 409034159 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034162 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034170 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034174 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034191 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034241 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034259 | Combined LTV | XXXXX | XXXXX |
| 409034259 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034266 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034272 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034274 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034277 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034292 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034297 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034304 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034308 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034325 | Combined LTV | XXXXX | XXXXX |
| 409034325 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034325 | Original LTV | XXXXX | XXXXX |
| 409034326 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034329 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034342 | Combined LTV | XXXXX | XXXXX |
| 409034342 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034342 | Original LTV | XXXXX | XXXXX |
| 409034366 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034375 | Combined LTV | XXXXX | XXXXX |
| 409034375 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034375 | Original LTV | XXXXX | XXXXX |
| 409034970 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035104 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035110 | Combined LTV | XXXXX | XXXXX |
| 409035110 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035110 | Original LTV | XXXXX | XXXXX |
| 409035371 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035373 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035388 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035391 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035397 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035400 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035404 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035409 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035412 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035413 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035418 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035561 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035563 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035611 | Combined LTV | XXXXX | XXXXX |
| 409035611 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035611 | Original LTV | XXXXX | XXXXX |
| 409035612 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035614 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035644 | Combined LTV | XXXXX | XXXXX |
| 409035644 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035644 | Original LTV | XXXXX | XXXXX |
| 409036693 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036979 | Combined LTV | XXXXX | XXXXX |
| 409036979 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036979 | Original LTV | XXXXX | XXXXX |
| 409036981 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036982 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036991 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036992 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409036998 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037006 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037026 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037113 | Combined LTV | XXXXX | XXXXX |
| 409037113 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037113 | Original LTV | XXXXX | XXXXX |
| 409037114 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037133 | Combined LTV | XXXXX | XXXXX |
| 409037133 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037133 | Original LTV | XXXXX | XXXXX |
| 409037149 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037155 | Combined LTV | XXXXX | XXXXX |
| 409037155 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037155 | Original LTV | XXXXX | XXXXX |
| 409037158 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037167 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037188 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037192 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037200 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037203 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037207 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037212 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037215 | Combined LTV | XXXXX | XXXXX |
| 409037215 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037215 | Original LTV | XXXXX | XXXXX |
| 409037217 | Combined LTV | XXXXX | XXXXX |
| 409037217 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037217 | Original LTV | XXXXX | XXXXX |
| 409037222 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037252 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037257 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037259 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037266 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037290 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037291 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037296 | Combined LTV | XXXXX | XXXXX |
| 409037296 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037296 | Original LTV | XXXXX | XXXXX |
| 409037303 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037307 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037337 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037342 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037343 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037345 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037347 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037627 | Combined LTV | XXXXX | XXXXX |
| 409037627 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037627 | Original LTV | XXXXX | XXXXX |
| 409037629 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037633 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037636 | Combined LTV | XXXXX | XXXXX |
| 409037636 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037636 | Original LTV | XXXXX | XXXXX |
| 409037640 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037651 | Combined LTV | XXXXX | XXXXX |
| 409037651 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037651 | Original LTV | XXXXX | XXXXX |
| 409037652 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037678 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037705 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037707 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037708 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037710 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037752 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037764 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037766 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037768 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037770 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037776 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037790 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037926 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037944 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037945 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037965 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037977 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037977 | Original Balance | XXXXX | XXXXX |
| 409037984 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038068 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038147 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038295 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038476 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038498 | Combined LTV | XXXXX | XXXXX |
| 409038498 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038498 | Original LTV | XXXXX | XXXXX |
| 409038501 | Combined LTV | XXXXX | XXXXX |
| 409038501 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038501 | Original LTV | XXXXX | XXXXX |
| 409038508 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038509 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038545 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038548 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038560 | Combined LTV | XXXXX | XXXXX |
| 409038560 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038560 | Original LTV | XXXXX | XXXXX |
| 409038561 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038566 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038590 | Combined LTV | XXXXX | XXXXX |
| 409038590 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409038590 | Original LTV | XXXXX | XXXXX |
| 409039009 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039133 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039162 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039165 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039654 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039656 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039657 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039658 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039659 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039662 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039663 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039665 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409039667 | Debt to Income Ratio (Back) | XXXXX | XXXXX |
|©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** | **Redwood Trust** |
| **Client Project Name:** | **Redwood Trust-Flow_V2** |
| **Deal Loan Count:** | **346** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *346* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409017452 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.2877 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021212 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 895 | XXXXX | 6.6339 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021872 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 875 | XXXXX | 6.3265 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023782 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.3917 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023840 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21500 | XXXXX | 6.4875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023957 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.6485 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023959 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1565 | XXXXX | 6.3858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024251 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1015 | XXXXX | 6.3085 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024815 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14356 | XXXXX | 6.9786 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025150 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 545 | XXXXX | 6.1483 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025650 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1400 | XXXXX | 6.5199 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025652 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 895 | XXXXX | 6.0108 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025723 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.0119 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026210 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.3907 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026223 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.2702 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026277 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.3877 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026283 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1475.25 | XXXXX | 6.5159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026343 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2815 | XXXXX | 6.1455 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026362 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.4031 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026568 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.3821 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026610 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11054.97 | XXXXX | 6.2425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026652 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16650 | XXXXX | 6.3624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026659 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2495 | XXXXX | 6.1849 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409027015 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.3996 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027039 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2075 | XXXXX | 6.3882 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027045 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.1401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409028859 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 5.931 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028991 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.1462 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029106 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1270 | XXXXX | 6.2713 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029201 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5606 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029335 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.577 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029781 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2045 | XXXXX | 6.8977 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030507 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.2681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030511 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5662 | XXXXX | 6.5621 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030542 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3281.6 | XXXXX | 6.16 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030564 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030584 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 895 | XXXXX | 6.5085 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030619 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1605 | XXXXX | 6.0992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030627 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.4126 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030633 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 945 | XXXXX | 6.1382 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030646 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.4036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030878 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13920.04 | XXXXX | 7.239 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030991 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.5162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031070 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.7599 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031082 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2145 | XXXXX | 6.2726 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031096 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.3898 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031116 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12064 | XXXXX | 6.1091 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031123 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.1501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031153 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 6.5447 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031161 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4053.75 | XXXXX | 6.154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031184 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.0847 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031185 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.5149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031230 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1480 | XXXXX | 7.0253 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031240 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21275 | XXXXX | 6.893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031256 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.2794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031265 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2706.68 | XXXXX | 6.437 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.2641 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031271 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16475.21 | XXXXX | 5.9176 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031278 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.3616 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031446 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.1493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031449 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.2621 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031534 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 6.4 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031539 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3611.25 | XXXXX | 6.2992 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031544 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3448.85 | XXXXX | 6.4064 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031550 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.0198 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031558 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 37.09 | XXXXX | 6.1557 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031581 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1495 | XXXXX | 6.1802 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031590 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.5281 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031595 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6760.25 | XXXXX | 6.5278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031616 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2619 | XXXXX | 6.5242 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031639 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.3013 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031642 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.5146 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031647 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2500 | XXXXX | 6.2658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031657 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 995 | XXXXX | 6.2689 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031672 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.392 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409031694 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5158 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031702 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2475 | XXXXX | 6.0524 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409031705 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.1642 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031718 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1248 | XXXXX | 7.01 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031821 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.7734 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031826 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2625 | XXXXX | 6.2777 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031827 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.2609 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031829 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.389 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031837 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.0396 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031845 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12845 | XXXXX | 6.3557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032134 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.0267 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032140 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 980 | XXXXX | 6.2911 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032143 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.0156 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032145 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2568.75 | XXXXX | 6.033 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032161 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.1479 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032166 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.2787 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032175 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.1658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032229 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 5.8958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032230 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 7.0283 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032260 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2867.6 | XXXXX | 6.1656 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032262 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.0232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032381 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 950 | XXXXX | 6.0574 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032384 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.3966 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032385 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1179 | XXXXX | 6.2619 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032388 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6999 | XXXXX | 6.1965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032396 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1450 | XXXXX | 6.1444 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032420 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1070 | XXXXX | 6.3789 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032491 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.1446 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032555 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.2648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032561 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1905 | XXXXX | 6.4006 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032568 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.39 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032571 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2361 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032574 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 31176 | XXXXX | 6.8869 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032585 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.259 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032600 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 5.9423 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409032605 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8398.2 | XXXXX | 7.1943 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032614 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2585.12 | XXXXX | 6.3499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032626 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2215 | XXXXX | 6.2993 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032634 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 7.021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032735 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.3883 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032743 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1475 | XXXXX | 6.4207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032749 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1615 | XXXXX | 6.5105 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032760 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.52 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032763 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032768 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7609.72 | XXXXX | 7.092 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032773 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 109.95 | XXXXX | 6.5079 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032779 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6719 | XXXXX | 6.4113 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032780 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.2693 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032782 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1605 | XXXXX | 6.3421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032929 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.1496 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032930 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 211.5 | XXXXX | 6.6296 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032931 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2290 | XXXXX | 6.754 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032933 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.0525 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032943 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6735 | XXXXX | 6.3153 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032944 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 28855 | XXXXX | 6.6872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032945 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.2675 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032962 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13094 | XXXXX | 6.523 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032974 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3132.19 | XXXXX | 6.4699 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032977 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 495 | XXXXX | 6.3887 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032983 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.5226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033000 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.174 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033001 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.6435 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033012 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.1448 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033187 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.2048 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033237 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1538 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033244 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.7745 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033245 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3620 | XXXXX | 6.2909 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033268 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2554 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033279 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 775 | XXXXX | 6.1108 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033284 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.3548 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033287 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13275 | XXXXX | 5.9545 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033298 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20000 | XXXXX | 6.6676 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033299 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 150 | XXXXX | 6.8794 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033300 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 24280 | XXXXX | 6.9104 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033316 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1490 | XXXXX | 6.0342 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033320 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 5.9081 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033327 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2285 | XXXXX | 6.9056 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409033331 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.906 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033345 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12753.75 | XXXXX | 6.597 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033355 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 109.95 | XXXXX | 6.2581 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033359 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.2651 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033383 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1905 | XXXXX | 6.3466 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033384 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1490 | XXXXX | 5.9265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033385 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 5.8863 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033387 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1358.95 | XXXXX | 6.2689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033392 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 495 | XXXXX | 5.8799 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033410 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14694.25 | XXXXX | 7.0332 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033413 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3635 | XXXXX | 5.8466 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033450 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20000 | XXXXX | 5.5048 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033460 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 23845 | XXXXX | 7.1441 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033470 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 22895 | XXXXX | 6.3344 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033475 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1924.6 | XXXXX | 6.5251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033485 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1840 | XXXXX | 6.4496 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409033495 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2426.25 | XXXXX | 6.4028 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033507 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5092.92 | XXXXX | 6.5552 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033769 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25420 | XXXXX | 5.974 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033770 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10883.62 | XXXXX | 6.0654 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033775 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1510 | XXXXX | 6.5986 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033776 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16620.08 | XXXXX | 6.6745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033777 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.3713 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033787 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.2046 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033796 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.2664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033798 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1565 | XXXXX | 6.2684 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033799 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.4173 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033812 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18822.8 | XXXXX | 6.3451 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033874 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 17660 | XXXXX | 5.9335 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033877 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.0406 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033878 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9378.5 | XXXXX | 6.1871 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033879 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1697 | XXXXX | 6.2837 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033880 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5117 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033882 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.398 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033883 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 22209.08 | XXXXX | 6.0931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033886 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.4311 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033892 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.1428 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033898 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1990 | XXXXX | 6.5532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033900 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13031 | XXXXX | 6.6472 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033912 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2427 | XXXXX | 6.3989 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033985 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.275 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033996 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16195 | XXXXX | 6.5015 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033998 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 5.8326 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409034001 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1790 | XXXXX | 6.1543 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034005 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.2668 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034007 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.3067 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034015 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1364 | XXXXX | 6.2203 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034030 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1990 | XXXXX | 6.5176 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034033 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9743.06 | XXXXX | 5.9572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034038 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11207 | XXXXX | 6.3703 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034045 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6402 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409034046 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.3871 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034055 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2695 | XXXXX | 6.5291 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034059 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2755 | XXXXX | 6.2126 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034060 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 14300 | XXXXX | 6.4123 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034067 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1625 | XXXXX | 6.3995 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034071 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1525 | XXXXX | 6.5654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034079 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 8293.55 | XXXXX | 6.0972 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034097 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.392 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034100 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3907.5 | XXXXX | 6.1645 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409034125 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1625 | XXXXX | 6.5161 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034149 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12546 | XXXXX | 6.5066 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034159 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034162 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20892 | XXXXX | 6.639 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034170 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4843.69 | XXXXX | 6.9317 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034174 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.2624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034191 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17704.35 | XXXXX | 6.3842 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034241 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 995 | XXXXX | 5.8984 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409034259 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13352.5 | XXXXX | 6.7847 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034272 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.5243 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034274 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1525.09 | XXXXX | 6.3962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034277 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 895 | XXXXX | 6.5131 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034292 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.0309 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034297 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 12538.92 | XXXXX | 6.6354 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409034304 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1714.5 | XXXXX | 6.2492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034308 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.1343 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034325 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8185 | XXXXX | 6.2605 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034326 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.3089 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034329 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 290 | XXXXX | 6.7526 | Employed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409034342 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 6.2718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034366 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.5216 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034375 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 12553.8 | XXXXX | 6.6263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409034970 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575.25 | XXXXX | 6.1669 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035104 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1729.25 | XXXXX | 6.3208 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035110 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1495 | XXXXX | 5.8357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035371 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2290 | XXXXX | 6.4854 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035373 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1470 | XXXXX | 6.3021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035388 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.0477 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035391 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.2744 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035397 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.2743 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035400 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1795 | XXXXX | 6.5588 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035404 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2214.75 | XXXXX | 6.1609 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035409 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17911.1 | XXXXX | 6.3023 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409035412 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2757 | XXXXX | 6.9087 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035413 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 30119.95 | XXXXX | 6.6927 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035418 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1738 | XXXXX | 6.5959 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035561 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.5371 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035563 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2795.5 | XXXXX | 6.0432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035611 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 7688.49 | XXXXX | 6.4527 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035612 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 4697.5 | XXXXX | 5.9598 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035614 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13366 | XXXXX | 6.78 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035644 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1340 | XXXXX | 6.3908 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409036693 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25990 | XXXXX | 6.7756 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036979 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 995 | XXXXX | 6.14 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036981 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.1357 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036982 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.439 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036991 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1636 | XXXXX | 6.8966 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036992 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.5791 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409036998 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21230 | XXXXX | 6.391 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037006 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.4033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037026 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1720.25 | XXXXX | 6.4027 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037113 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 24604.4 | XXXXX | 7.0768 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037114 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 6.6816 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037133 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2210 | XXXXX | 7.0269 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037149 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.2634 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037155 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 740 | XXXXX | 6.5093 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037158 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.2707 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037167 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1895.25 | XXXXX | 6.5098 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037188 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1738 | XXXXX | 6.1156 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037192 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25175 | XXXXX | 6.7749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037200 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.8051 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037203 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037207 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.396 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037212 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 5.7564 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037215 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037217 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2515 | XXXXX | 6.1557 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037222 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 12828.9 | XXXXX | 6.4788 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409037252 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14630.96 | XXXXX | 6.9883 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 409037257 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1490 | XXXXX | 6.758 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037259 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.4139 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1070 | XXXXX | 6.5178 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037290 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1363.95 | XXXXX | 6.3933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037291 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2663 | XXXXX | 6.2948 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409037296 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.3571 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037303 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1345 | XXXXX | 6.7927 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037307 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5793.2 | XXXXX | 6.3152 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037337 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7567 | XXXXX | 6.0474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037342 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.5283 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037343 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5282 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037345 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1980 | XXXXX | 6.3963 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037347 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.0198 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037627 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1458 | XXXXX | 6.0397 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037629 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1980.25 | XXXXX | 6.2787 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037633 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 5.904 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037636 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2128 | XXXXX | 6.3979 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037640 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 90 | XXXXX | 6.1324 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037651 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2320 | XXXXX | 6.1531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037652 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.1736 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037678 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.4128 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037705 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.1397 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409037707 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037708 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1476 | XXXXX | 6.2692 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037710 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6476 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037752 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.1579 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037764 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.2883 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037766 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 4380 | XXXXX | 6.5773 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409037768 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2095 | XXXXX | 6.4258 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037770 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 150 | XXXXX | 6.2547 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037776 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 657.58 | XXXXX | 6.1357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037790 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3165 | XXXXX | 6.3263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037926 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.1494 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037944 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2834.65 | XXXXX | 6.2717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037945 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3000 | XXXXX | 6.1508 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037965 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4165 | XXXXX | 6.2905 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409037977 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.2752 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037984 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1050 | XXXXX | 6.3844 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038068 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.3808 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038147 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.3183 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038295 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 6.2741 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038476 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1358 | XXXXX | 6.294 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038498 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.0129 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038501 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.644 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038508 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2078.5 | XXXXX | 6.6553 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038509 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2195 | XXXXX | 6.3895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038545 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2274 | XXXXX | 6.7985 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038548 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1937 | XXXXX | 6.265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038560 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2290 | XXXXX | 6.3997 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038561 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1264.35 | XXXXX | 6.0283 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038566 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.4744 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038590 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1965 | XXXXX | 6.435 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409039009 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8908.4 | XXXXX | 6.2113 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409039133 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2190 | XXXXX | 6.1457 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039162 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.2659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039165 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.0133 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039654 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.7754 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409039656 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12709.7 | XXXXX | 6.6148 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039657 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1665 | XXXXX | 6.4976 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039658 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5269 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409039659 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.2793 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409039662 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.37 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039663 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.2644 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409039665 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.2682 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039667 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5458 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |

---

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

## Exhibit 99.4

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| | |
|:---|:---|
| **Client Name:** | **Redwood Trust** |
| **Client Project Name:** | **Redwood Trust-Flow_V2** |
| **Deal Loan Count:** | **346** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *346* |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **Loan Status** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Written VOE Form** | **Borrower 2 Written VOE Form** | **Borrower 3 Written VOE Form** | **Borrower 4 Written VOE Form** | **Borrower 1 P&L Prepared By** | **Borrower 2 P&L Prepared By** | **Borrower 3 P&L Prepared By** | **Borrower 4 P&L Prepared By** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR Method Used** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409017452 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2877 | Yes | Yes | 0.149 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 40.55 | 41.12 | 40.55 | 40.55 | 40.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021212 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6339 | Yes | Yes | 0.073 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.76 | 24.34 | 24.76 | 24.34 | 24.34 | 24.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021872 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3265 | No | No | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.99 | 44.87 | 44.99 | 44.87 | 44.87 | 44.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023782 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3917 | Yes | Yes | 0.111 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.57 | 23.94 | 23.57 | 23.94 | 23.94 | 23.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023840 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4875 | No | No | 1.092 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.28 | 45.93 | 46.28 | 45.93 | 45.93 | 45.93 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023957 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6485 | Yes | Yes | 0.174 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.56 | 31.79 | 31.56 | 31.79 | 31.79 | 31.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023959 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3858 | Yes | Yes | 0.083 | 0.083 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.86 | 5.38 | 8.86 | 5.38 | 5.38 | 5.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024251 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3085 | No | No | 0.068 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.9 | 43.46 | 44.9 | 43.46 | 43.46 | 43.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 48 months;<br> Paystub - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 48 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024815 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9786 | Yes | Yes | 1.011 | 1.011 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.72 | 28.74 | 33.72 | 28.74 | 28.74 | 28.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025150 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1483 | Yes | Yes | 0.027 | 0.027 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.77 | 20.91 | 20.77 | 20.91 | 20.91 | 20.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025650 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5199 | Yes | Yes | 0.126 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.15 | 29.36 | 29.15 | 29.36 | 29.36 | 29.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025652 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0108 | Yes | No | 0.062 | 0.062 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.73 | 40.57 | 44.73 | 40.57 | 40.57 | 40.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 11 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Award Letter - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025723 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0119 | Yes | Yes | 1.402 | 1.402 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.84 | 40.86 | 40.84 | 40.86 | 40.86 | 40.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026210 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3907 | Yes | Yes | 0.089 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.34 | 41.35 | 41.34 | 41.35 | 41.35 | 41.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 12 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026223 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2702 | Yes | Yes | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.92 | 19.04 | 22.92 | 19.04 | 19.04 | 19.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026277 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3877 | Yes | Yes | 0.094 | 0.094 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.39 | 31.63 | 28.39 | 31.63 | 31.63 | 31.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026283 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5159 | Yes | Yes | 0.157 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.88 | 42.26 | 42.88 | 42.26 | 42.26 | 42.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Bank Statements - 1 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 20 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 20 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026343 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1455 | Yes | Yes | 0.245 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.26 | 26.55 | 24.26 | 26.55 | 26.55 | 26.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026362 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4031 | Yes | Yes | 0.178 | 0.245 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.29 | 34.74 | 25.29 | 34.74 | 34.74 | 34.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Tax Preparer | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3821 | Yes | Yes | 0 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.96 | 42.73 | 42.96 | 42.73 | 42.73 | 42.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026610 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2425 | Yes | Yes | 1.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.25 | 33.44 | 31.25 | 33.44 | 33.44 | 33.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 33 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026652 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3624 | Yes | Yes | 1.138 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.35 | 28.83 | 29.35 | 28.83 | 28.83 | 28.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026659 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1849 | Yes | Yes | 0.234 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.67 | 25.4 | 22.67 | 25.4 | 25.4 | 25.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027015 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3996 | Yes | Yes | 0.145 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 5.66 | 5.66 | 5.66 | 5.66 | 5.66 | 5.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3882 | Yes | Yes | 0.117 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.04 | 42.11 | 42.04 | 42.11 | 42.11 | 42.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027045 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1401 | Yes | Yes | 0.105 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.34 | 31.41 | 31.34 | 31.41 | 31.41 | 31.41 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028859 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9310 | Yes | Yes | 0.072 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.3 | 20.4 | 20.3 | 20.4 | 20.4 | 20.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1462 | Yes | Yes | 0.139 | 0.632 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.31 | 13.31 | 13.31 | 13.31 | 13.31 | 13.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029106 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2713 | Yes | Yes | 0.148 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40 | 40.31 | 40 | 40.31 | 40.31 | 40.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029201 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5606 | No | No | 0.141 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 45.68 | 47 | 45.68 | 45.68 | 45.68 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029335 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5770 | No | No | 0.108 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.91 | 46.91 | 46.91 | 46.91 | 46.91 | 46.91 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8977 | Yes | Yes | 0.2 | 0.152 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.52 | 38.52 | 38.52 | 38.52 | 38.52 | 38.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030507 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2681 | Yes | Yes | 0.109 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.83 | 31.83 | 31.83 | 31.83 | 31.83 | 31.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030511 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5621 | Yes | Yes | 0.56 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.83 | 31.72 | 32.83 | 31.72 | 31.72 | 31.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030542 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1600 | Yes | Yes | 0.327 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.06 | 35.15 | 35.06 | 35.15 | 35.15 | 35.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months;<br> Paystub - 1 months | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030564 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2000 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.64 | 38.64 | 38.64 | 38.64 | 38.64 | 38.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030584 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5085 | Yes | No | 0.066 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.85 | 41.77 | 43.85 | 41.77 | 41.77 | 41.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030619 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0992 | No | No | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030627 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4126 | Yes | Yes | 0.069 | 0.069 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.02 | 35.11 | 36.02 | 35.11 | 35.11 | 35.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030633 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1382 | Yes | Yes | 0.072 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.76 | 38.7 | 39.76 | 38.7 | 38.7 | 38.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030646 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4036 | Yes | Yes | 0.139 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.89 | 19.83 | 19.89 | 19.83 | 19.83 | 19.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030878 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2390 | No | No | 1.067 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.29 | 46.29 | 46.29 | 46.29 | 46.29 | 46.29 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5162 | Yes | Yes | 0.125 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.76 | 37.25 | 36.76 | 37.25 | 37.25 | 37.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031070 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7599 | Yes | Yes | 0.077 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.69 | 42.45 | 41.69 | 42.45 | 42.45 | 42.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2726 | Yes | Yes | 0.246 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 41.12 | 41 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3898 | Yes | Yes | 0.096 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.89 | 33.9 | 33.89 | 33.9 | 33.9 | 33.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 4 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031116 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1091 | Yes | Yes | 1.092 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.81 | 37.81 | 37.81 | 37.81 | 37.81 | 37.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 9 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031123 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1501 | Yes | Yes | 0.14 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.06 | 29.39 | 31.06 | 29.39 | 29.39 | 29.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031153 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5447 | Yes | Yes | 0.147 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38 | 38.87 | 38 | 38.87 | 38.87 | 38.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031161 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1540 | Yes | Yes | 0.199 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.37 | 24.37 | 24.37 | 24.37 | 24.37 | 24.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 22 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 58 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031184 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0847 | Yes | Yes | 0.154 | 0.154 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.6 | 20.31 | 19.6 | 20.31 | 20.31 | 20.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031185 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5149 | No | No | 0.14 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.73 | 48.7 | 49.73 | 48.7 | 48.7 | 48.7 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031230 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0253 | Yes | No | 0.122 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.73 | 38.13 | 48.73 | 38.13 | 38.13 | 38.13 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031240 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8930 | No | No | 1.821 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.25 | 45.25 | 45.25 | 45.25 | 45.25 | 45.25 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031256 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2794 | Yes | Yes | 0.147 | 0.147 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.2 | 28.41 | 42.2 | 28.41 | 28.41 | 28.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031265 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4370 | Yes | Yes | 0.258 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.1 | 35 | 36.1 | 35 | 35 | 35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2641 | Yes | Yes | 0.077 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.97 | 26.97 | 26.97 | 26.97 | 26.97 | 26.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031271 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9176 | Yes | Yes | 1.405 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.53 | 37.53 | 37.53 | 37.53 | 37.53 | 37.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3616 | Yes | Yes | 0.117 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.27 | 37.27 | 37.27 | 37.27 | 37.27 | 37.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1493 | No | No | 0.102 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.96 | 44.96 | 44.96 | 44.96 | 44.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031449 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2621 | Yes | Yes | 0.064 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.33 | 34.33 | 34.33 | 34.33 | 34.33 | 34.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031534 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4000 | Yes | Yes | 0.177 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33 | 31.97 | 33 | 31.97 | 31.97 | 31.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031539 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2992 | Yes | Yes | 0.452 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.32 | 38.32 | 38.32 | 38.32 | 38.32 | 38.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031544 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4064 | Yes | Yes | 0.288 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.79 | 39.79 | 39.79 | 39.79 | 39.79 | 39.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months | Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031550 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0198 | No | No | 0.118 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.76 | 44.73 | 43.76 | 44.73 | 44.73 | 44.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031558 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1557 | Yes | Yes | 0.002 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.98 | 32.06 | 30.98 | 32.06 | 32.06 | 32.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031581 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1802 | Yes | Yes | 0.129 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.06 | 36.06 | 36.06 | 36.06 | 36.06 | 36.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031590 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5281 | Yes | Yes | 0.169 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.42 | 41.4 | 42.43 | 41.4 | 41.4 | 41.4 | No | No | (No Data) | XXXXX | Yes | 360 | No | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031595 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5278 | Yes | Yes | 0.579 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.18 | 24.86 | 26.18 | 24.86 | 24.86 | 24.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031616 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5242 | Yes | No | 0.144 | 0.144 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.31 | 40.73 | 45.31 | 40.73 | 40.73 | 40.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031639 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3013 | Yes | Yes | 0.066 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.81 | 42.99 | 42.81 | 42.81 | 42.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031642 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5146 | No | No | 0.098 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.25 | 44.26 | 44.25 | 44.26 | 44.26 | 44.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 22 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031647 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2658 | Yes | Yes | 0.125 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.11 | 38.24 | 33.11 | 38.24 | 38.24 | 38.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031657 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2689 | Yes | Yes | 0.105 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.24 | 31.24 | 31.24 | 31.24 | 31.24 | 31.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 6 months;<br> W2 - 12 months | Paystub - 3 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031672 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3920 | Yes | Yes | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.53 | 35.54 | 35.53 | 35.54 | 35.54 | 35.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409031694 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5158 | Yes | Yes | 0.113 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.1 | 17.6 | 17.1 | 17.6 | 17.6 | 17.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031702 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.0524 | No | No | 0.114 | 0.114 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.95 | 46.11 | 49.95 | 46.11 | 46.11 | 46.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409031705 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1642 | Yes | Yes | 0.102 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.51 | 31.52 | 31.51 | 31.52 | 31.52 | 31.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031718 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0100 | Yes | Yes | 0.073 | 0.073 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.79 | 30.78 | 28.79 | 30.78 | 30.78 | 30.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031821 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7734 | Yes | Yes | 0.117 | 0.117 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.13 | 36.29 | 38.13 | 36.29 | 36.29 | 36.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031826 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2777 | Yes | Yes | 0.24 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.33 | 33.33 | 33.33 | 33.33 | 33.33 | 33.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2609 | Yes | Yes | 0.087 | 0.087 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.94 | 33.51 | 33.94 | 33.51 | 33.51 | 33.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031829 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3890 | Yes | No | 0.097 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.24 | 40.25 | 44.24 | 40.25 | 40.25 | 40.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0396 | Yes | Yes | 0.173 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16 | 15.06 | 16 | 15.06 | 15.06 | 15.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 1 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031845 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3557 | No | No | 1.081 | 1.082 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.85 | 49.18 | 49.85 | 49.18 | 49.18 | 49.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032134 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0267 | Yes | Yes | 0.153 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.07 | 33.9 | 4.07 | 33.9 | 33.9 | 33.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032140 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2911 | Yes | Yes | 0.085 | 0.085 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.05 | 28.96 | 30.05 | 28.96 | 28.96 | 28.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032143 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0156 | Yes | Yes | 0.078 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.17 | 40.83 | 40.17 | 40.83 | 40.83 | 40.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032145 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0330 | Yes | Yes | 0.273 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.94 | 38.95 | 39.94 | 38.95 | 38.95 | 38.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 12 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032161 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1479 | Yes | Yes | 0.156 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.85 | 31.85 | 31.85 | 31.85 | 31.85 | 31.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032166 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2787 | No | No | 0.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.21 | 45.21 | 44.21 | 45.21 | 45.21 | 45.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032175 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1658 | Yes | Yes | 0.1 | (No Data) | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.02 | 40.97 | 41.02 | 40.97 | 40.97 | 40.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032229 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8958 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.95 | 29.95 | 29.95 | 29.95 | 29.95 | 29.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032230 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0283 | Yes | Yes | 0.277 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032260 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1656 | Yes | Yes | 0.227 | 0.114 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.59 | 35.79 | 36.59 | 35.79 | 35.79 | 35.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032262 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0232 | Yes | Yes | 0.131 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.88 | 31.87 | 31.88 | 31.87 | 31.87 | 31.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032381 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0574 | Yes | Yes | 0.097 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.05 | 39.9 | 40.05 | 39.9 | 39.9 | 39.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3966 | No | No | 0.125 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 50 | 49.94 | 50 | 49.94 | 49.94 | 49.94 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Paystub - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032385 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2619 | Yes | Yes | 0.088 | 0.074 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.6 | 41.7 | 41.6 | 41.7 | 41.7 | 41.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032388 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1965 | Yes | Yes | 0.643 | 0.643 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.58 | 34.96 | 35.58 | 34.96 | 34.96 | 34.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032396 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1444 | Yes | Yes | 0.142 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.43 | 23.5 | 23.43 | 23.5 | 23.5 | 23.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032420 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3789 | Yes | Yes | 0.124 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.52 | 16.51 | 16.52 | 16.51 | 16.51 | 16.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032491 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1446 | Yes | Yes | 0.125 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.47 | 32.4 | 32.47 | 32.4 | 32.4 | 32.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 25 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032555 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2648 | Yes | Yes | 0.111 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.53 | 14.54 | 14.53 | 14.54 | 14.54 | 14.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032561 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4006 | Yes | Yes | 0.185 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.9 | 33.69 | 37.9 | 33.69 | 33.69 | 33.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3900 | Yes | Yes | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.78 | 29.21 | 30.78 | 29.21 | 29.21 | 29.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032571 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2361 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.95 | 42.9 | 41.95 | 42.9 | 42.9 | 42.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8869 | Yes | No | 2.24 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.14 | 42.13 | 44.14 | 42.13 | 42.13 | 42.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032585 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2590 | Yes | Yes | 0.054 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.3 | 36.3 | 36.3 | 36.3 | 36.3 | 36.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032600 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9423 | No | No | 0.173 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409032605 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1943 | Yes | Yes | 0.877 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.07 | 39.07 | 39.07 | 39.07 | 39.07 | 39.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032614 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3499 | Yes | Yes | 0.241 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.26 | 34.26 | 34.26 | 34.26 | 34.26 | 34.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032626 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2993 | Yes | Yes | 0.167 | 0.167 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.37 | 37.37 | 37.37 | 37.37 | 37.37 | 37.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032634 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0210 | No | No | 0.13 | 0.129 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.72 | 47.72 | 47.72 | 47.72 | 47.72 | 47.72 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 9 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032735 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3883 | Yes | Yes | 0.098 | 0.098 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.13 | 18.07 | 19.13 | 18.07 | 18.07 | 18.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032743 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4207 | Yes | Yes | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.84 | 38.84 | 38.84 | 38.84 | 38.84 | 38.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032749 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5105 | Yes | Yes | 0.087 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.4 | 34.4 | 34.4 | 34.4 | 34.4 | 34.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032760 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5200 | Yes | Yes | 0.172 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.19 | 33.6 | 33.19 | 33.6 | 33.6 | 33.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 18 months;<br> Written VOE - 18 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032763 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1514 | Yes | Yes | 0.179 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.82 | 35.81 | 35.82 | 35.81 | 35.81 | 35.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0920 | Yes | Yes | 0.879 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.03 | 30.5 | 31.03 | 30.5 | 30.5 | 30.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months;<br> Written VOE - 35 months | Personal Tax Return - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032773 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5079 | Yes | Yes | 0.008 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.88 | 14.48 | 13.88 | 14.48 | 14.48 | 14.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032779 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4113 | No | No | 0.736 | 0.736 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.75 | 46.48 | 45.75 | 46.48 | 46.48 | 46.48 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032780 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2693 | Yes | Yes | 0.152 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 34.99 | 35 | 34.99 | 34.99 | 34.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 2 months;<br> Written VOE - 34 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032782 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3421 | Yes | Yes | 0.102 | 0.101 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.05 | 36.45 | 39.05 | 36.45 | 36.45 | 36.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032929 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1496 | Yes | Yes | 0.168 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.88 | 31.77 | 23.88 | 31.77 | 31.77 | 31.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032930 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6296 | Yes | Yes | 0.019 | 0.019 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.94 | 38.19 | 41.94 | 38.19 | 38.19 | 38.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032931 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7540 | Yes | No | 0.269 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.79 | 41.38 | 45.79 | 41.38 | 41.38 | 41.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032933 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0525 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.84 | 28.01 | 29.84 | 28.01 | 28.01 | 28.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032943 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3153 | Yes | No | 0.592 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.64 | 36.13 | 48.64 | 36.13 | 36.13 | 36.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – W2(s) - 36 months;<br> P & L Only - 11 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L Only - 11 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032944 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6872 | Yes | Yes | 1.732 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38 | 38 | 38 | 38 | 38 | 38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032945 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2675 | Yes | Yes | 0.113 | 0.111 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.98 | 34.22 | 33.98 | 34.22 | 34.22 | 34.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032962 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5230 | Yes | Yes | 1.482 | 2.985 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.08 | 30.09 | 30.08 | 30.09 | 30.09 | 30.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032974 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4699 | Yes | Yes | 0.26 | 1.229 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.57 | 42.57 | 42.57 | 42.57 | 42.57 | 42.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3887 | Yes | Yes | 0.057 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.98 | 18.98 | 18.98 | 18.98 | 18.98 | 18.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032983 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5226 | Yes | Yes | 0.078 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.33 | 33.12 | 34.33 | 33.12 | 33.12 | 33.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033000 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1740 | Yes | Yes | 0.167 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.86 | 36.9 | 36.86 | 36.9 | 36.9 | 36.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033001 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6435 | Yes | Yes | 0.133 | 0.133 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.87 | 19.47 | 19.87 | 19.47 | 19.47 | 19.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Tax Preparer | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1448 | Yes | Yes | 0.153 | 0.163 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36 | 36 | 36 | 36 | 36 | 36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033187 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2048 | Yes | Yes | 0.3 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.93 | 21.93 | 21.93 | 21.93 | 21.93 | 21.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409033237 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1538 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.2 | 37.18 | 37.2 | 37.18 | 37.18 | 37.18 | No | Yes | Yes | XXXXX | Yes | 360 | No | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 2 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033244 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7745 | Yes | Yes | 0.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.23 | 41.12 | 38.23 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033245 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2909 | Yes | Yes | 0.405 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.6 | 18.58 | 18.6 | 18.58 | 18.58 | 18.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033268 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2554 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.1 | 25.79 | 27.1 | 25.79 | 25.79 | 25.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033279 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1108 | Yes | Yes | 0.089 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.75 | 38.75 | 38.75 | 38.75 | 38.75 | 38.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033284 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3548 | No | No | 0.155 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.32 | 43.99 | 43.32 | 43.99 | 43.99 | 43.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033287 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9545 | Yes | Yes | 0.882 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.2 | 37.2 | 37.2 | 37.2 | 37.2 | 37.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033298 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6676 | No | No | 1.472 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.2 | 43.2 | 44.2 | 43.2 | 43.2 | 43.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033299 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8794 | Yes | Yes | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.7 | 32.89 | 32.7 | 32.89 | 32.89 | 32.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033300 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9104 | Yes | Yes | 2.848 | 2.861 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.87 | 40.7 | 40.87 | 40.7 | 40.7 | 40.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033316 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0342 | Yes | Yes | 0.15 | 0.150 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 41.89 | 42.38 | 41.89 | 41.89 | 41.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 72 months;<br> Lease Agreement - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033320 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9081 | Yes | Yes | 0.217 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.7 | 24.13 | 23.7 | 24.13 | 24.13 | 24.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033327 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9056 | No | No | 0.213 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033331 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9060 | No | No | 0.174 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.75 | 43.98 | 44.75 | 43.98 | 43.98 | 43.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 35 months | W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033345 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5970 | Yes | Yes | 0.932 | 1.079 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.24 | 29.7 | 30.24 | 29.7 | 29.7 | 29.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 11 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 5 months;<br> W2 - 24 months;<br> Written VOE - 47 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033355 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2581 | Yes | Yes | 0.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.2 | 29.76 | 30.2 | 29.76 | 29.76 | 29.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033359 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2651 | No | No | 0.097 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.09 | 47.08 | 47.09 | 47.08 | 47.08 | 47.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033383 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3466 | No | No | 0.214 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.47 | 43.47 | 43.47 | 43.47 | 43.47 | 43.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9265 | No | No | 0.15 | 0.150 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.02 | 43 | 43.02 | 43 | 43 | 43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033385 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8863 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.67 | 37.67 | 37.67 | 37.67 | 37.67 | 37.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033387 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2689 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033392 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8799 | Yes | Yes | 0.052 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.75 | 23.76 | 23.75 | 23.76 | 23.76 | 23.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409033410 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0332 | No | No | 1.532 | 1.532 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 43.55 | 44.95 | 43.55 | 43.55 | 43.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033413 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8466 | Yes | Yes | 0.333 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.06 | 28.09 | 28.06 | 28.09 | 28.09 | 28.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Offer Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033450 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.5048 | No | No | 1.926 | 1.926 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 49.97 | 49.98 | 49.97 | 49.97 | 49.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 11 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033460 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1441 | Yes | Yes | 2.682 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.56 | 36.31 | 36.56 | 36.31 | 36.31 | 36.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033470 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3344 | Yes | Yes | 2.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.49 | 39.64 | 39.49 | 39.64 | 39.64 | 39.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033475 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5251 | Yes | Yes | 0.207 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.56 | 20.56 | 20.56 | 20.56 | 20.56 | 20.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033485 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4496 | No | No | 0.219 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.21 | 46.33 | 46.21 | 46.33 | 46.33 | 46.33 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033495 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4028 | Yes | Yes | 0.247 | 0.247 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.16 | 38.29 | 38.16 | 38.29 | 38.29 | 38.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | 1099 - 12 months;<br> 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033507 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5552 | Yes | Yes | 0.546 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.51 | 41.12 | 41.51 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033769 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9740 | Yes | Yes | 1.067 | 0.053 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.96 | 23.7 | 24.96 | 23.7 | 23.7 | 23.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033770 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0654 | Yes | Yes | 0.875 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.47 | 12.72 | 12.47 | 12.72 | 12.72 | 12.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033775 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5986 | Yes | Yes | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.33 | 40.09 | 41.33 | 40.09 | 40.09 | 40.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Offer Letter - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 19 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033776 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6745 | No | No | 1.923 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.32 | 46.45 | 46.32 | 46.45 | 46.45 | 46.45 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 23 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 31 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033777 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3713 | No | No | 0.2 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.8 | 45.56 | 47.8 | 45.56 | 45.56 | 45.56 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 9 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033787 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2046 | No | No | 0.131 | 0.250 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.28 | 48.12 | 48.28 | 48.12 | 48.12 | 48.12 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033796 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2664 | Yes | Yes | 0.121 | 0.121 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39 | 39.13 | 39 | 39.13 | 39.13 | 39.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033798 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2684 | Yes | Yes | 0.133 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.1 | 27.1 | 27.1 | 27.1 | 27.1 | 27.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033799 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Cooperative | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4173 | Yes | Yes | 0.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.85 | 31.77 | 31.85 | 31.77 | 31.77 | 31.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033812 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3451 | Yes | Yes | 0.993 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.73 | 29.32 | 30.73 | 29.32 | 29.32 | 29.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033874 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9335 | Yes | Yes | 1.801 | 1.801 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.75 | 18.75 | 18.75 | 18.75 | 18.75 | 18.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033877 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0406 | Yes | Yes | 0.123 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.1 | 34.1 | 34.1 | 34.1 | 34.1 | 34.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033878 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1871 | Yes | Yes | 0.589 | 0.589 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.41 | 39.41 | 39.71 | 39.41 | 39.41 | 39.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033879 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2837 | Yes | Yes | 0.116 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.29 | 39.29 | 39.29 | 39.29 | 39.29 | 39.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033880 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5117 | No | No | 0.08 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.3 | 48.3 | 48.3 | 48.3 | 48.3 | 48.3 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033882 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3980 | Yes | Yes | 0.196 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.68 | 36.68 | 36.68 | 36.68 | 36.68 | 36.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months | Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033883 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0931 | Yes | Yes | 2.248 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.68 | 20.68 | 20.68 | 20.68 | 20.68 | 20.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033886 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4311 | Yes | Yes | 0.197 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.35 | 31.35 | 31.35 | 31.35 | 31.35 | 31.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033892 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1428 | Yes | Yes | 0.127 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.14 | 42.12 | 42.14 | 42.12 | 42.12 | 42.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409033898 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5532 | No | No | 0.173 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.15 | 48.15 | 48.15 | 48.15 | 48.15 | 48.15 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033900 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6472 | Yes | Yes | 1.154 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.06 | 37.06 | 37.06 | 37.06 | 37.06 | 37.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033912 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | (No Data) | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | Not Applicable | 6.3989 | Yes | Yes | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.25 | 41.88 | 42.25 | 41.88 | 41.88 | 41.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409033985 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2750 | Yes | Yes | 0.164 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.35 | 35.8 | 36.35 | 35.8 | 35.8 | 35.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033996 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5015 | Yes | Yes | 1.27 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.48 | 39.37 | 40.48 | 39.37 | 39.37 | 39.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033998 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8326 | Yes | Yes | 0.154 | 0.154 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.24 | 30.48 | 30.24 | 30.48 | 30.48 | 30.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409034001 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1543 | Yes | Yes | 0.21 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034005 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2668 | Yes | Yes | 0.13 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.04 | 22.62 | 24.04 | 22.62 | 22.62 | 22.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034007 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3067 | Yes | Yes | 0.076 | 0.076 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 6.03 | 6.95 | 6.03 | 6.95 | 6.95 | 6.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 9 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034015 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2203 | Yes | Yes | 0.105 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.54 | 24.72 | 24.54 | 24.72 | 24.72 | 24.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034030 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5176 | Yes | Yes | 0.19 | 0.190 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.07 | 28.35 | 27.07 | 28.35 | 28.35 | 28.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9572 | Yes | Yes | 0.796 | 0.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.64 | 42.64 | 42.64 | 42.64 | 42.64 | 42.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034038 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3703 | Yes | Yes | 0.875 | 0.125 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.13 | 20.31 | 20.13 | 20.31 | 20.31 | 20.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034045 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6402 | No | No | 0.125 | 0.125 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034046 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3871 | Yes | Yes | 0.087 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.84 | 35.84 | 35.84 | 35.84 | 35.84 | 35.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034055 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5291 | Yes | Yes | 0.29 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.57 | 40.68 | 40.57 | 40.68 | 40.68 | 40.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034059 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2126 | Yes | Yes | 0.256 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.07 | 36.07 | 36.07 | 36.07 | 36.07 | 36.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034060 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4123 | Yes | Yes | 1.464 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.46 | 28.18 | 29.46 | 28.18 | 28.18 | 28.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034067 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3995 | Yes | Yes | 0.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.02 | 19.66 | 20.02 | 19.66 | 19.66 | 19.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034071 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5654 | Yes | Yes | 0.152 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.9 | 39.02 | 40.9 | 39.02 | 39.02 | 39.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 11 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034079 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0972 | Yes | Yes | 0.89 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.2 | 33.28 | 33.2 | 33.28 | 33.28 | 33.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034097 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3920 | Yes | Yes | 0.126 | 0.134 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.04 | 29.04 | 29.04 | 29.04 | 29.04 | 29.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034100 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1645 | Yes | Yes | 0.287 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.94 | 34.37 | 34.94 | 34.37 | 34.37 | 34.37 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409034125 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5161 | Yes | Yes | 0.111 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.72 | 40.72 | 40.72 | 40.72 | 40.72 | 40.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034149 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5066 | Yes | Yes | 1.307 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.57 | 39.82 | 35.57 | 39.82 | 39.82 | 39.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034159 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2531 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.31 | 40.32 | 40.31 | 40.32 | 40.31 | 40.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034162 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6390 | Yes | Yes | 1.616 | 1.607 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.33 | 37.67 | 37.33 | 37.67 | 37.67 | 37.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034170 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9317 | Yes | Yes | 0.525 | 0.525 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.59 | 36.12 | 35.59 | 36.12 | 36.12 | 36.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034174 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2624 | Yes | Yes | 0.093 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.13 | 33.13 | 33.13 | 33.13 | 33.13 | 33.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034191 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3842 | No | No | 1.388 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.14 | 44.15 | 44.14 | 44.15 | 44.15 | 44.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034241 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8984 | Yes | Yes | 0.115 | 1.556 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.68 | 24.68 | 24.68 | 24.68 | 24.68 | 24.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409034259 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1690 | Yes | Yes | 0.152 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.6 | 41.79 | 40.6 | 41.79 | 41.79 | 41.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7847 | Yes | Yes | 1.602 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.72 | 40.76 | 40.72 | 40.76 | 40.76 | 40.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034272 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5243 | Yes | Yes | 0.166 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.54 | 38.55 | 38.54 | 38.55 | 38.55 | 38.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034274 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3962 | No | No | 0.117 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.7 | 45.71 | 45.7 | 45.71 | 45.71 | 45.71 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 60 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034277 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5131 | Yes | Yes | 0.069 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.51 | 40.95 | 41.51 | 40.95 | 40.95 | 40.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034292 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0309 | Yes | Yes | 0.12 | 0.120 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.61 | 29.63 | 28.61 | 29.63 | 29.63 | 29.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034297 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6354 | Yes | Yes | 1.322 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.96 | 21.5 | 30.96 | 21.5 | 21.5 | 21.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409034304 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2492 | Yes | Yes | 0.205 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.4 | 23.4 | 23.4 | 23.4 | 23.4 | 23.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034308 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1343 | Yes | Yes | 0.084 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.01 | 33.01 | 33.01 | 33.01 | 33.01 | 33.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034325 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2605 | No | No | 0.42 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.73 | 44.73 | 44.73 | 44.73 | 44.73 | 44.73 | No | No | (No Data) | XXXXX | Yes | 240 | No | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 22 months | Personal Tax Return - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034326 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3089 | Yes | Yes | 0.246 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.87 | 30.87 | 30.87 | 30.87 | 30.87 | 30.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 34 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034329 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7526 | Yes | Yes | 0.021 | 0.546 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.11 | 39.47 | 41.11 | 39.47 | 39.47 | 39.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409034342 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2718 | No | No | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.72 | 46.72 | 46.72 | 46.72 | 46.72 | 46.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 13 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034366 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5216 | Yes | Yes | 0.17 | 0.170 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.07 | 39.07 | 39.07 | 39.07 | 39.07 | 39.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034375 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6263 | No | No | 1.224 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.41 | 46.42 | 46.41 | 46.42 | 46.42 | 46.42 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034970 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1669 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.96 | 27.85 | 26.96 | 27.85 | 27.85 | 27.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035104 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3208 | Yes | Yes | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035110 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8357 | Yes | Yes | 0.169 | 0.169 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.69 | 25.12 | 22.69 | 25.12 | 25.12 | 25.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035371 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4854 | Yes | Yes | 0.202 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.18 | 17.27 | 17.18 | 17.27 | 17.27 | 17.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035373 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3021 | Yes | Yes | 0.154 | 0.154 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035388 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0477 | Yes | Yes | 0.112 | 0.125 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.62 | 34.72 | 36.62 | 34.72 | 34.72 | 34.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035391 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2744 | Yes | Yes | 0.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.3 | 42.43 | 42.3 | 42.43 | 42.43 | 42.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035397 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2743 | Yes | Yes | 0.123 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.5 | 39.75 | 39.5 | 39.75 | 39.75 | 39.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035400 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5588 | Yes | Yes | 0.151 | 1512.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.27 | 25.32 | 25.27 | 25.32 | 25.32 | 25.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035404 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1609 | Yes | Yes | 0.267 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.16 | 24.16 | 24.16 | 24.16 | 24.16 | 24.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035409 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3023 | Yes | Yes | 1.808 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.19 | 32.19 | 32.19 | 32.19 | 32.18 | 32.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409035412 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9087 | Yes | Yes | 0.281 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.28 | 41.39 | 41.28 | 41.39 | 41.39 | 41.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 36 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035413 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6927 | Yes | Yes | 2.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.32 | 32.36 | 32.32 | 32.36 | 32.36 | 32.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035418 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5959 | Yes | No | 0.189 | 0.189 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.76 | 41.82 | 44.76 | 41.82 | 41.82 | 41.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035561 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5371 | Yes | Yes | 0.258 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.2 | 26.2 | 26.2 | 26.2 | 26.2 | 26.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035563 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0432 | Yes | Yes | 0.188 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.15 | 29.12 | 29.15 | 29.12 | 29.12 | 29.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035611 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4527 | Yes | Yes | 0.771 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.06 | 40.06 | 40.06 | 40.06 | 40.06 | 40.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035612 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9598 | Yes | Yes | 0.446 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.29 | 40.29 | 40.29 | 40.29 | 40.29 | 40.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035614 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7800 | Yes | Yes | 1.538 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.11 | 39.03 | 40.11 | 39.03 | 39.03 | 39.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035644 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3908 | No | No | 0.129 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.83 | 49.74 | 49.83 | 49.74 | 49.74 | 49.74 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036693 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7756 | No | No | 1.878 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 44.91 | 44.95 | 44.91 | 44.91 | 44.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036979 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1400 | Yes | Yes | 0.097 | 0.097 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036981 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1357 | Yes | Yes | 0.113 | 0.132 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.22 | 39.22 | 39.22 | 39.22 | 39.22 | 39.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036982 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4390 | Yes | Yes | 0.161 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.12 | 35.12 | 35.12 | 35.12 | 35.12 | 35.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8966 | No | No | 0.169 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.95 | 44.98 | 44.95 | 44.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036992 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5791 | No | No | 0.162 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49 | 48.93 | 49 | 48.93 | 48.93 | 48.93 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036998 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3910 | Yes | Yes | 1.102 | 1.102 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.74 | 28.77 | 28.74 | 28.77 | 28.77 | 28.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4033 | Yes | Yes | 0.199 | 0.199 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 11 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037026 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4027 | Yes | Yes | 0.139 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.71 | 42.2 | 41.71 | 42.2 | 42.2 | 42.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037113 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0768 | No | No | 2.083 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.65 | 44.07 | 45.65 | 44.07 | 44.07 | 44.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037114 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6816 | Yes | Yes | 0.144 | 0.132 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38 | 35.54 | 38 | 35.54 | 35.54 | 35.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0269 | No | No | 0.217 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.66 | 49.66 | 49.66 | 49.66 | 49.66 | 49.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 3 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037149 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2634 | Yes | Yes | 0.096 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.75 | 20.77 | 20.75 | 20.77 | 20.77 | 20.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037155 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5093 | Yes | Yes | 0.057 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.24 | 34.24 | 34.24 | 34.24 | 34.24 | 34.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037158 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2707 | No | No | 0.193 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.96 | 43.96 | 43.96 | 43.96 | 43.96 | 43.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 4 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037167 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5098 | Yes | Yes | 0.216 | 0.216 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.59 | 39.48 | 39.59 | 39.48 | 39.48 | 39.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037188 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1156 | Yes | Yes | 0.148 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.46 | 19.46 | 19.46 | 19.46 | 19.46 | 19.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037192 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7749 | Yes | Yes | 1.581 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.55 | 38.93 | 39.55 | 38.93 | 38.93 | 38.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037200 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8051 | Yes | Yes | 0.19 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 42.89 | 42.89 | 42.89 | 42.89 | 42.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037203 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6474 | Yes | Yes | 0.152 | 0.152 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.84 | 38.47 | 39.84 | 38.47 | 38.47 | 38.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037207 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3960 | Yes | Yes | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.66 | 38.72 | 39.66 | 38.72 | 38.72 | 38.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037212 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7564 | Yes | Yes | 0.124 | 0.124 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.27 | 30.95 | 38.27 | 30.95 | 30.95 | 30.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | Paystub - 35 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037215 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8950 | No | No | 0.14 | 0.140 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.47 | 43.22 | 44.47 | 43.22 | 43.22 | 43.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 47 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1557 | No | No | 0.253 | 0.253 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.01 | 47.33 | 48.01 | 47.33 | 47.33 | 47.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037222 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4788 | Yes | Yes | 1.058 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42 | 42.14 | 42 | 42.14 | 42.14 | 42.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409037252 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9883 | No | No | 1.136 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.66 | 49.6 | 49.66 | 49.6 | 49.6 | 49.6 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409037257 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7580 | Yes | Yes | 0.07 | 0.070 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.32 | 26.57 | 29.32 | 26.57 | 26.57 | 26.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037259 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4139 | No | No | 0.169 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.07 | 44.07 | 44.07 | 44.07 | 44.07 | 44.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 22 months;<br> W2 - 24 months | Paystub - 22 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5178 | Yes | Yes | 0.091 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.47 | 31.49 | 32.47 | 31.49 | 31.49 | 31.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 22 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037290 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3933 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.4 | 26.41 | 26.4 | 26.41 | 26.41 | 26.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 2 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037291 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2948 | Yes | Yes | 0.149 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.57 | 36.65 | 36.57 | 36.65 | 36.65 | 36.65 | Yes | Yes | Yes | XXXXX | Yes | 360 | No | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Offer Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037296 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3571 | Yes | Yes | 0.186 | 0.186 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.08 | 33.22 | 34.08 | 33.22 | 33.22 | 33.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037303 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7927 | Yes | Yes | 0.131 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.08 | 27.84 | 28.09 | 27.84 | 27.84 | 27.84 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 36 months | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037307 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3152 | Yes | Yes | 0.346 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037337 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0474 | Yes | Yes | 0.463 | 0.463 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.16 | 34.14 | 34.16 | 34.14 | 34.14 | 34.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037342 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5283 | Yes | Yes | 0.121 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.42 | 40.81 | 41.42 | 40.81 | 40.81 | 40.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> CPA Letter - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | 1099 - 12 months;<br> CPA Letter - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037343 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5282 | Yes | Yes | 0.085 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.79 | 38.79 | 38.79 | 38.79 | 38.79 | 38.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037345 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3963 | Yes | Yes | 0.137 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.77 | 36.23 | 37.77 | 36.23 | 36.23 | 36.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 23 months;<br> Written VOE - 23 months | Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037347 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0198 | Yes | Yes | 0.16 | 0.160 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.61 | 38.61 | 38.61 | 38.61 | 38.61 | 38.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 12 months | Paystub - 33 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037627 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0397 | Yes | Yes | 0.09 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.17 | 21.17 | 21.17 | 21.17 | 21.17 | 21.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037629 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2787 | Yes | Yes | 0.184 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.7 | 31.7 | 31.7 | 31.7 | 31.7 | 31.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037633 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9040 | Yes | Yes | 0.157 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36 | 35.26 | 36 | 35.26 | 35.26 | 35.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 9 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037636 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3979 | Yes | Yes | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.48 | 23.48 | 23.48 | 23.48 | 23.48 | 23.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037640 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1324 | Yes | Yes | 0.01 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.25 | 18.76 | 20.25 | 18.76 | 18.76 | 18.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037651 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1531 | Yes | Yes | 0.221 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.1 | 27.9 | 27.1 | 27.9 | 27.9 | 27.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037652 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1736 | Yes | Yes | 0.135 | 1.796 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.88 | 35.89 | 35.88 | 35.89 | 35.89 | 35.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037678 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4128 | No | No | 0.123 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037705 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1397 | Yes | Yes | 0.093 | Missing | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.82 | 42.82 | 42.82 | 42.82 | 42.82 | 42.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409037707 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5124 | Yes | Yes | 0.089 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.75 | 37.6 | 37.75 | 37.6 | 37.6 | 37.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037708 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.2692 | No | No | 0.126 | 0.131 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 45.3 | 45 | 45.3 | 45.3 | 45.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037710 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6476 | Yes | Yes | 0.175 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.23 | 32.23 | 32.23 | 32.23 | 32.23 | 32.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037752 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1579 | Yes | Yes | 0.119 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 37.48 | 37 | 37.48 | 37.48 | 37.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037764 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2883 | Yes | Yes | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.43 | 28.76 | 28.43 | 28.76 | 28.76 | 28.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037766 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5773 | Yes | Yes | 0.424 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.82 | 27.21 | 27.82 | 27.21 | 27.21 | 27.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409037768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4258 | Yes | Yes | 0.144 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.1 | 41.27 | 41.1 | 41.27 | 41.27 | 41.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037770 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2547 | Yes | Yes | 0.015 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.88 | 37.57 | 37.88 | 37.57 | 37.57 | 37.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037776 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1357 | Yes | Yes | 0.075 | 0.257 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.99 | 39.84 | 39.99 | 39.84 | 39.84 | 39.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037790 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3263 | Yes | Yes | 0.181 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.29 | 35.48 | 35.29 | 35.48 | 35.48 | 35.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037926 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1494 | Yes | Yes | 0.209 | 0.135 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.09 | 7.42 | 16.09 | 7.42 | 7.42 | 7.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037944 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2717 | Yes | Yes | 0.237 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.57 | 38.5 | 38.57 | 38.5 | 38.5 | 38.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037945 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1508 | Yes | Yes | 0.256 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.5 | 33.65 | 33.5 | 33.65 | 33.65 | 33.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037965 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2905 | No | No | 0.372 | 0.372 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.9 | 49.45 | 47.9 | 49.45 | 49.45 | 49.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409037977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2752 | Yes | Yes | 0.156 | 0.156 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.87 | 25.96 | 24.87 | 25.96 | 25.96 | 25.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037984 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3844 | Yes | Yes | 0.043 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.79 | 42.99 | 42.79 | 42.99 | 42.99 | 42.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 35 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038068 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3808 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.07 | 29.07 | 29.07 | 29.07 | 29.07 | 29.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038147 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3183 | Yes | Yes | 0.154 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.9 | 18.82 | 18.9 | 18.82 | 18.82 | 18.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038295 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2741 | Yes | Yes | 0.199 | 0.199 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.12 | 32.96 | 34.12 | 32.96 | 32.96 | 32.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038476 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2940 | No | No | 0.142 | 0.125 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.6 | 43.65 | 43.6 | 43.65 | 43.65 | 43.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038498 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0129 | Yes | Yes | 0.085 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.26 | 42 | 42.26 | 42 | 42 | 42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 5 months;<br> W2 - 24 months | Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038501 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6440 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.65 | 36.31 | 34.65 | 36.31 | 36.31 | 36.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038508 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6553 | No | No | 0.211 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.46 | 43.36 | 43.46 | 43.36 | 43.36 | 43.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038509 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3895 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.7 | 39.7 | 39.7 | 39.7 | 39.7 | 39.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038545 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7985 | Yes | Yes | 0.152 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.14 | 40.04 | 42.14 | 40.04 | 40.04 | 40.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038548 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2650 | Yes | Yes | 0.116 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.45 | 19.17 | 19.45 | 19.17 | 19.17 | 19.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038560 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3997 | Yes | Yes | 0.173 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.9 | 41.94 | 42.9 | 41.94 | 41.94 | 41.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038561 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0283 | Yes | Yes | 0.102 | 0.416 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.24 | 33.09 | 33.24 | 33.09 | 33.09 | 33.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038566 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4744 | Yes | Yes | 0.166 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.33 | 14.92 | 15.33 | 14.92 | 14.92 | 14.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L - 11 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038590 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4350 | No | No | 0.236 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.75 | 43.98 | 43.75 | 43.98 | 43.98 | 43.98 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 59 months | Award Letter - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039009 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2113 | Yes | Yes | 0.909 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.72 | 33.6 | 34.72 | 33.6 | 33.6 | 33.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1457 | Yes | No | 0.151 | 0.151 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.69 | 39.74 | 47.69 | 39.74 | 39.74 | 39.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039162 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2659 | No | No | 0.127 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.98 | 44.96 | 44.98 | 44.98 | 44.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039165 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0133 | Yes | Yes | 0.104 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.09 | 26.89 | 27.09 | 26.89 | 26.89 | 26.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039654 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7754 | Yes | Yes | 0.157 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.54 | 24.54 | 24.54 | 24.54 | 24.54 | 24.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039656 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6148 | Yes | Yes | 1.143 | 1.143 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Lender Form | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039657 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4976 | Yes | Yes | 0.182 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.79 | 41.17 | 39.79 | 41.17 | 41.17 | 41.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039658 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5269 | Yes | Yes | 0.153 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039659 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2793 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.42 | 31.89 | 38.43 | 31.89 | 31.89 | 31.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039662 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3700 | Yes | Yes | 0.17 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.39 | 31.34 | 31.39 | 31.34 | 31.34 | 31.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039663 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2644 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.86 | 15.86 | 15.86 | 15.86 | 15.86 | 15.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039665 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2682 | Yes | Yes | 0.105 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.77 | 25.85 | 25.77 | 25.85 | 25.85 | 25.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039667 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5458 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42 | 41.93 | 42 | 41.93 | 41.93 | 41.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

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

## Exhibit 99.5

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | Redwood Trust |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | Redwood Trust-Flow_V2 | Redwood Trust-Flow_V2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 346 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *346* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 409017452 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021212 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021872 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023782 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023840 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023957 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023959 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024251 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024815 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025150 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025650 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025652 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025723 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026210 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026223 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |
| 409026277 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026283 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026362 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026568 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026610 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026652 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026659 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027015 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409027039 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027045 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409028859 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028991 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029106 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029201 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029335 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029781 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030507 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030511 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030542 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030564 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030584 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030619 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030627 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030633 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030646 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030878 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030991 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031070 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031116 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031123 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031153 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031161 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031184 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031185 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031230 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031240 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031256 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031265 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031271 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031449 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031534 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031539 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031544 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031550 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031558 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031581 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031595 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031616 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031639 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031642 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031647 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031657 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031672 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031694 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031702 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031705 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031718 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031821 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031826 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031829 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031837 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031845 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032134 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032140 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032143 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032145 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032161 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032166 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032175 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032229 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032230 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032260 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032262 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032381 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032385 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032388 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032396 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032420 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032491 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032555 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032561 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032568 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032571 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032574 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032585 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032600 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032605 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032614 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032626 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032634 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032735 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032743 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032749 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032760 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032763 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032773 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032779 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032780 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032782 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032929 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032930 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032931 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032933 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032943 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032944 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032945 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032962 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032974 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032977 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032983 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033000 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033001 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033187 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033237 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033244 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033245 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033268 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033284 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033287 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033298 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033299 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033300 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033320 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033327 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033331 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033355 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033383 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033385 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033387 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033392 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033410 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033413 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033450 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033460 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033470 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033475 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033485 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033495 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033507 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033769 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033770 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033775 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033776 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033777 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033787 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033796 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033798 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 2090 Cooperative (Mar 05) | 2090 Cooperative (Mar 05) |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033812 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033874 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) |
| 409033877 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033878 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033879 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033880 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033882 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033883 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033886 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033892 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033898 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033900 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033912 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033985 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033996 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033998 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034001 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034005 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034007 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034015 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034030 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034033 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034038 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034045 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034046 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034055 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034059 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034060 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034067 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034071 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034079 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034097 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034100 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034125 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034149 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034159 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034162 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034170 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034174 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034191 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034241 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034259 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034272 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034274 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034277 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034292 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034297 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034325 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034326 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034366 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034375 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034970 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035104 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035110 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035371 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035388 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035391 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035397 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035400 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035404 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035412 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035413 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035418 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035561 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035563 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035611 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035612 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035614 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035644 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036693 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036979 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036981 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036982 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036991 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036992 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036998 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037026 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037113 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037114 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037133 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037149 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037155 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037158 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037167 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037188 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037192 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037200 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037203 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037207 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037212 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037215 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037217 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037222 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037252 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037257 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037259 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037290 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037291 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037296 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037303 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037307 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037337 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037347 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037627 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037629 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037633 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037636 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037640 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037651 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037652 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037678 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037705 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037707 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037708 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037710 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037752 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037764 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037766 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037770 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037776 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037790 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037926 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037944 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037945 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037965 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037977 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037984 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038068 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038147 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038476 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409038498 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038501 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038508 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038509 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409038545 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038548 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038560 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038561 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038566 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409038590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039009 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039133 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409039162 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039165 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039654 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039656 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039657 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039658 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039659 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039662 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039663 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409039665 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039667 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*<br>

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |
| **Client Project Name:** | **SEMT 2026 CD2** | **SEMT 2026 CD2** |  |
| **Start - End Dates:** |  |  |  |
| **Deal Loan Count:** | **346** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *346* |  |  |
| ***Loans with Conditions:*** | *246* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **494 - Total Satisfied Conditions** | **494 - Total Satisfied Conditions** |  |  |
|  |  | 178 - Credit Review Scope | 178 - Credit Review Scope |
|  |  |  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 2 - Category: Application |
|  |  |  | 24 - Category: Assets |
|  |  |  | 24 - Category: Credit/Mtg History |
|  |  |  | 10 - Category: DTI |
|  |  |  | 51 - Category: Income/Employment |
|  |  |  | 14 - Category: Insurance |
|  |  |  | 14 - Category: Legal Documents |
|  |  |  | 25 - Category: Terms/Guidelines |
|  |  |  | 10 - Category: Title |
|  |  | 30 - Property Valuations Review Scope | 30 - Property Valuations Review Scope |
|  |  |  | 29 - Category: Appraisal |
|  |  |  | 1 - Category: FEMA |
|  |  | 286 - Compliance Review Scope | 286 - Compliance Review Scope |
|  |  |  | 20 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 2 - Category: APR Tolerance |
|  |  |  | 1 - Category: Borrower's Interest |
|  |  |  | 9 - Category: Compliance Manual |
|  |  |  | 6 - Category: Documentation |
|  |  |  | 4 - Category: Finance Charge Tolerance |
|  |  |  | 30 - Category: RESPA |
|  |  |  | 14 - Category: Right of Rescission |
|  |  |  | 1 - Category: State Consumer Protection |
|  |  |  | 13 - Category: Texas Home Equity |
|  |  |  | 186 - Category: TILA/RESPA Integrated Disclosure |
| **52 - Total Waived Conditions** |  |  |  |
|  |  | 25 - Credit Review Scope | 25 - Credit Review Scope |
|  |  |  | 1 - Category: Application |
|  |  |  | 3 - Category: Assets |
|  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  | 1 - Category: DTI |
|  |  |  | 9 - Category: Income/Employment |
|  |  |  | 2 - Category: Insurance |
|  |  |  | 5 - Category: Terms/Guidelines |
|  |  | 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  |  |  | 1 - Category: Appraisal |
|  |  |  | 2 - Category: Property |
|  |  | 24 - Compliance Review Scope | 24 - Compliance Review Scope |
|  |  |  | 22 - Category: Right of Rescission |
|  |  |  | 2 - Category: TILA/RESPA Integrated Disclosure |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

------

---

| | |
|:---|:---|
| **Client Name:** | **Redwood Trust** |
| **Client Project Name:** | **SEMT 2026 CD2** |
| **Start - End Dates:** |  |
| **Deal Loan Count:** | **346** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *346* |
| ***Loans with Conditions:*** | *246* |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Loan Status** |
| 409017452 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Title | Satisfied<br> B<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment reflects $XXX loan amount and should be $XXX. | 1.7.2026 Client provided updated Title commitment with amount of insurance of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX + REOs $XXX \* XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 720.<br>| Client Complete |
| 409021212 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application Date XXX and First LE related to the refi transaction is dated XXX. | 01/22/26 Client provided the Initial 1003 and missing XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>| Client Complete |
| 409021872 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Title commitment has wrong loan amount of $XXX with supplement reflecting $XXX; actual loan amount is $XXX. | 1.20.2026 Client provided updated Title commitment with correct property amount of insurance of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409023782 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 12/17/25 Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>| Client Complete |
| 409023782 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date XXX. Earliest LE in file is dated XXX. Missing initial LE disclosed to borrower within 3 days of application date. If LE was emailed, a prior borrower's e-consent is also required. | 12/17/25 Client provided the missing XXX Initial LE and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>| Client Complete |
| 409023782 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% Tolerance triggered due to missing Written List of Providers. Unable to allocate a title provider, all title fees including Recording fee are tested as worst case scenario for 10% violation. Condition is pending receiving Written List of Providers for further testing. | 12/17/25 Client provided the missing XXX Initial LE, XXX Tracking and HC List. Condition remains. Without the SPL, the Ten Percent tolerance testing failed by $XXX. Provide the missing SPL for re-testing, OR provide Borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking information.12/18/25 Client provided the missing SPL. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>| Client Complete |
| 409023840 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 680.<br>| Client Complete |
| 409023840 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Subject transaction is non-arm's length where the borrower is purchasing their current residence and the seller is the borrower's landlord. There is a XXX month gap in payments from XXX through XXX XXX due to circumstances beyond the borrower's control and explained via lawyer's letter stating landlords divorce delayed borrower from sending payment to one or the other party. VOR from one landlord reflects 0x30 payments. Account activity and bank statements over XXX months show a lump sum on XXX for $XXX which accounts for XXX. of $XXX/mo. payment required for rent. XXX exception request approved XXX stipulates approval is subject to "Must Meet all XXX program Guidelines (Non-AUS program)". Additional exceptions were placed for XXX% DTI exceeds the XXX% max for XXX Program when LTV >XXX%, and so the SR Clayton UW finds the approval conditions have not been met. | 1/27 Client provided an approved exception to allow the file with a XXX DTI and an LTV > XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 680.<br>| Client Complete |
| 409023840 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | DTI | Waived<br> B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | XXX% DTI exceeds the XXX% max for Sequoia Program when LTV >XXX%; Subject Transaction LTV is XXX% based on $XXX loan amount and the lower appraisal value of $XXX from XXX. Lender is using sale price of $XXX for LTV. Additional appraisal of $XXX from XXX cannot be used for LTV as the lower of 2 appraisals should be used to determine LTV. | 1/27 Client provided an approved exception to allow the XXX% LTV and DTI of XXX% | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 680.<br>| Client Complete |
| 409023957 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Incorrect H8 ROR form was used with same lender refinance. Per Title Commitment in file, loan originated with the same lender. H9 ROR form should be used in this transaction. | 1/14/26 Client provided an approved exception for using incorrect ROR form | 1/14/26 Initial and final grace 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>| Client Complete |
| 409023957 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Income/Employment | Waived<br> C<br> B | CRDINC150 | Income docs do not meet guidelines | No | Business returns and P&Ls are not executed, as required. Please provide. May be subject to additional conditions upon review. | 2.2.2026 Client provided signed P/Ls however still missing executed business returns, only received signed P/L. Condition remains for executed business returns. 2/3 Client provided an approved exception to allow the file without the executed Bus returns | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>| Client Complete |
| 409023959 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | Right of Rescission | Satisfied<br> B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Transaction date of XXX. Disbursement date XXX. ROR expiration date XXX. Rescission period not met. Provide LOX, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 12/18/2025 Client provided 6 copies of ROR form, 2 LOE's and 2 separate shipping labels. Condition remains. The expiration date should be corrected on each with title holders initials or new forms sent with correction, expiration dated allowing for the delivery (Midnight of 3rd day after signing) and new shipping label reflecting delivered. 12/25/2025 Client provided re-opened ROR forms delivered XXX, expiration date XXX. Condition remains for end of rescission period.01/05/26 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had good credit history with no derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409023959 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | XXX Mortgage is reflected on title, ROR H9 is required; XXX Client provided approved exception for the incorrect ROR form used. | (No Data) | Initial & Final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had good credit history with no derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409023959 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | There are 2 1008's in file. One with appraised value of $XXX and one with $XXX. There is not an appraisal in file for $XXX. Provide either LOE or the appraisal with $XXX.Additional conditions may apply | 12.19.2025 Client provided Lender LOX addressing the appraised values in file and the 1008 with different appraised value, stating value of $XXX was the initial estimated value prior to obtaining any appraisals. The two appraisals in file have a value of $XXX and $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had good credit history with no derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409024251 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 12/23/2025 Client provided an exception approval for using incorrect ROR form | 12/23/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 69 points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in profession.<br>| Client Complete |
| 409024251 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that Heloc XXX from XXX Bank has been paid and closed. | 12.26.2025 Client provided evidence of paid off HELOC however initial condition is pertaining to, missing evidence this HELOC #XXX is also closed, verified paid, now missing evidence closed out or executed request from Borrower requesting to be closed out12.29.2025 Client provided duplicate (previously provided) screenshot showing 2nd lien paid however still missing evidence as being closed out. Condition remains for evidence 2nd have been closed. 12.29.2025 Client provided evidence HELOC have been closed | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 69 points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in profession.<br>| Client Complete |
| 409024815 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID5512 | TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures (SFIG 3.0) | No | The monthly escrow amount is $XXX, the Loan Disclosure section reflects XXX months of Homeowners Insurance and County Tax Impounds. $XXX \* XXX = $XXX. | 12/26/2025 Client provided a request to review. The Final CD XXX in file, the Non-Escrow Estimated costs over 1 year shows as $XXX. This is the amount the system is picking up as XXX months. Per review by Internal Compliance Counsel, XXX months is allowed, only if there are XXX months between transaction date and 1st payment date. Condition remains. Provide PCCD with corrected Non-escrowed Estimated costs over 1 year and LOE to the Borrower. 12/30/25 Client provided a COC and corrected XXX PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>| Client Complete |
| 409024815 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD 11/12/2025 was delivered via e-mail; however, the file is missing E-Consent for Non-Borrowing Spouse. | 12/20/2025 Client provided a duplicate of the CD XXX e-signed by both parties. Condition remains for prior accepted consent for e-delivery for the Non-Borrower. 12/26/2025 Client provided Accepted consent for e-delivery by the Borrower. Condition remains. Provide prior accepted consent for e-delivery for the Non-Borrower.12/30/25 Client provided a COC and XXX PCCD for a data entry cure. Condition remains. Provide the non-borrower's missing E-Consent.01/30/26 Client provided the CD XXX with the disclosure tracking XXX reflecting the non-borrower's e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>| Client Complete |
| 409024815 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert | 12.21.2025 Client provided Flood Certificate document, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>| Client Complete |
| 409025150 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, XXX years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, both borrowers over XXX years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>| Client Complete |
| 409025650 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | No designation selected for if borrower "Declined" or if "Lender does not offer" escrow account in loan disclosures section of final CD. | 12/19/25 Client provided a corrected XXX PCCD. Condition remains for the LOE to borrower.12/22/2025 Client provided the LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>| Client Complete |
| 409025652 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of late or derogatory payments, XXX months reviewed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>| Client Complete |
| 409025723 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Upon receipt of missing income documentation. | 1/22 Client provided the required Docs | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX monthsRequired:Subject: XXX months x XXX = XXX+ One Financed reo: XXX months x XXX = XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409025723 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as Inspection Fee was added to CD XXX without a COC in file. A lender credit for $XXX was disclosed in CD XXX; however, an additional $XXX is required. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/20/25 Client provided a missing XXX LE and COC for the added Inspection Fee (Appraisal Subject-To). | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX monthsRequired:Subject: XXX months x XXX = XXX+ One Financed reo: XXX months x XXX = XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409025723 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Required 1065 third party VOE, page 918 combined file, is not dated.Provide third party VOE meeting XXX requirements.May be subject to additional conditions upon review. | 1.5.2026 Client provided Lender VVOE dated XXX stating verified business with SOS and copy of SOS active status (in file however not dated) and copy of YTD 2025 P/L dated XXX in file. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX monthsRequired:Subject: XXX months x XXX = XXX+ One Financed reo: XXX months x XXX = XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409025723 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC150 | Income docs do not meet guidelines | No | B1 and B2 are XXX/XXX owners of 1065.Note date is XXX.1040s and 1065s in file are for 2023 and 2024.Provide the following:2025 signed and dated 1040 and 1065Subject to full income recalc and may be subject to additional conditions upon review.\*\* 2024 returns are required to be file by 10/15/25.2024 1040 or 1065 extensions are also not in file, not a 2024 1065 PL. | 1//22 Client provided Evidence the tax filing deadline was extended due to natural disaster thorough XXX2025 return not yet required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX monthsRequired:Subject: XXX months x XXX = XXX+ One Financed reo: XXX months x XXX = XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409025723 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Please provide the following:1. 1065 income calc worksheet2. 1065 Business returns must be signed / dated | 12.20.2025 Client provided 1065 income Cash flow calculation worksheet, condition remains for: 1065 business returns signed/dated (per initial condition) 12/22 Client provided evidence the IRS deadline for filing 2025 was extended to XXX 2025 return not required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX monthsRequired:Subject: XXX months x XXX = XXX+ One Financed reo: XXX months x XXX = XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/02/2026 Client provided LOE email stating they no longer have Affiliated business. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Triggered due to missing ROR. | 01/02/2026 Client provided missing, signed H9 ROR forms signed on XXX with expiration date of midnight of XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Right of Rescission | Satisfied<br> D<br> A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | 01/02/2026 Client provided missing, signed H9 ROR forms signed on XXX with expiration date of midnight of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required for XXX AUS 30 YR Guidelines | 1/2 Client provided the AUS approval | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Property Completed "Subject To" w/o Completion Cert in File | 1.5.2026 Client provided 1004D subject to completion with subject being completed along with interior/exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026210 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated Valuation to support $ XXX Appraised Value | 1.5.2026 Client provided CU Score 1.5 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of executed business returns and missing PL. | 1/8 On review by Clayton XXX; P&L not required | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Provide copy of the mortgage with all entitled and completed signatures. | 12.11.2025 Client provided executed all pages of Mortgage/Deed of Trust for subject (no applicable Riders attached to mortgage) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations is not in file | 12/19/25 Client provided the XXX HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | File is missing the initial LE sent XXX per documentation in the file pg. 581. Completed LE required for further testing. Additional conditions may apply. | 12/19/25 Client provided the Initial XXX LE with the initial disclosures and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX Client provided the missing Initial XXX LE package. Fee baseline re-testing resulted in a Zero Tolerance violation of $XXX due to the increased Tax Service Fee on the revised LE. The COC indicates a Rate Lock/Program Change only. Provide additional documentation to validate how this change impacted the Tax Service Fee. Subject to re-review. | 12/29/25 Client provided a duplicate copy of the XXX COC in file. Condition remains. The COC indicates a Rate Lock/Program Change only. Provide additional documentation to validate how this change impacted the Tax Service Fee. Subject to re-review.01/27/2026 Client provided PCCD XXX, copy of cure check, LOE and XXX envelope for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Waived<br> D<br> B | CRDINC2157 | Missing Signed 4506 in file | No | Per the following guidelines, provide for B2.4506-C / Form 8821 must be signed and completed for all borrowers. IRS will require the latest form completed in full | 12.26.2025 Client provided executed 4506C for B1 however initial condition is for B2 missing 4506C; condition remains Note: 4506C have both names on it however only executed by B1, not executed by B2. 1/27 Client provided an approved exception to allow the file without the fully executed 4506C | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Waived<br> D<br> B | CRDINC3204 | Income Documentation Missing | No | Business returns are not signed / dated; provide for all business returns as required. May be subject to additional conditions upon review. | 1/27 Client provided an approved exception to allow the file without the signed Business returns | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026223 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Title | Satisfied<br> C<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Unable to test due to missing DOT. | 12.11.2025 Client provided executed all pages of Mortgage/Deed of Trust for subject (no applicable Riders attached to mortgage) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409026277 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing XXX 1120S for XXX | 1.20.2026 Client provided duplicate (in file) copy of XXX k1 for XXX however initial condition is for missing copy of 1120S business returns for XXX and to be signed dated (XXX% XXX). Condition remains 1.21.2026 Client provided full complete copy of XXX 1120S however not signed dated, file have YTD XXX P/L supporting income, Lender cash flow analysis provided in loan file using XXX average and using YTD XXX P/L, income used for qualifying supported. Condition remains for signed/dated XXX 1120S and (b). provide all pages of XXX P/L, appears pg 1 is missing, only found pg 2 and pg 3 of P/L 2.2.2026 Client provided executed pg 1 1120S XXX signed dated and provided all 3 pages of YTD XXX P/L for XXX (B1 XXX%) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>| Client Complete |
| 409026277 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX and XXX 1120S for XXX | 1.20.2026 Client provided duplicate (in file) copy of XXX k1 for XXX however initial condition is for missing copy of 1120S business returns for XXX and to be signed dated (XXX% XXX). Condition remains 1.21.2026 Client provided full complete copy of XXX 1120S however not signed dated, file have YTD XXX P/L supporting income, Lender cash flow analysis provided in loan file using XXX average and using YTD XXX P/L, income used for qualifying supported. Condition remains for (a). signed/dated pg of XXX 1120S and (b) provide all 3 pages of XXX P/L; appears page 1 is missing from file. 2.2.2026 Client provided executed pg 1 1120S XXX signed dated and provided all 3 pages of YTD XXX P/L for XXX (B1 XXX%) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>| Client Complete |
| 409026283 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | 01/21/26 Client provided an Email response from Seller stating the loan was not a Texas50a6. Per the Note and Mortgage, loan closed on TX 50a6 documents, therefore loan is tested as a TX Equity. After review of the Regulations by internal Compliance counsel, Client also provided a TX Attorney Opinion Letter that states the loan is not and was never a TX50a6 loan and New, corrected loan documents (Note and Mortgage) utilizing proper non-50a6 forms should be provided. Internal Compliance counsel has reviewed the Opinion Letter and agreed. Condition remains for the fully executed non-50a6 Note and Mortgage with letter of intent to re-record.01/27/26 Client provided a copy of the drivers licenses and the fully executed, non-50a6 Note and Mortgage/Rider. Condition remains for the letter of intent to re-record.01/29/26 Client provided the letter of intent to re-record. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409026283 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | 01/21/26 Client provided an Email response from Seller stating the loan was not a Texas50a6. Per the Note and Mortgage, loan closed on TX 50a6 documents, therefore loan is tested as a TX Equity. After review of the Regulations by internal Compliance counsel, Client also provided a TX Attorney Opinion Letter that states the loan is not and was never a TX50a6 loan and New, corrected loan documents (Note and Mortgage) utilizing proper non-50a6 forms should be provided. Internal Compliance counsel has reviewed the Opinion Letter and agreed. Condition remains for the fully executed non-50a6 Note and Mortgage with letter of intent to re-record.01/27/26 Client provided a copy of the drivers licenses and the fully executed, non-50a6 Note and Mortgage/Rider. Condition remains for the letter of intent to re-record.01/29/26 Client provided the letter of intent to re-record. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409026283 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied<br> D<br> B | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) | No | Provide the missing TX Equity - Notice Concerning Extension of Credit (12-Day). | 01/21/26 Client provided an Email response from Seller stating the loan was not a Texas50a6. Per the Note and Mortgage, loan closed on TX 50a6 documents, therefore loan is tested as a TX Equity. After review of the Regulations by internal Compliance counsel, Client also provided a TX Attorney Opinion Letter that states the loan is not and was never a TX50a6 loan and New, corrected loan documents (Note and Mortgage) utilizing proper non-50a6 forms should be provided. Internal Compliance counsel has reviewed the Opinion Letter and agreed. Condition remains for the fully executed non-50a6 Note and Mortgage with letter of intent to re-record.01/27/26 Client provided a copy of the drivers licenses and the fully executed, non-50a6 Note and Mortgage/Rider. Condition remains for the letter of intent to re-record.01/29/26 Client provided the letter of intent to re-record. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409026343 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide RSU Vesting Schedule and XXX Day Moving Average. | 12.10.2025 Client provided evidence of XXX Day moving average price of $XXX that was used by Lender for RSU calculation for B1 however did not receive the RSU vesting Schedule as requested in initial condition. 12.18.2025 Client provided Vesting Schedule and Income worksheet with RSU calculation and XXX XXX Written VOE however initial and prior updated requested for missing: XXX Day moving average price of $XXX that was used by Lender for RSU calculation, did not receive the requested documentation. Condition remains for stock documentation supporting XXX Day moving average price of $XXX used by Lender for RSU calculation 12.20.2025 Client provided LOX stating, prior document provided did have the XXX day moving average of $XXX and re-sent again. Response, Agree is reflected on pg 4 of 9. RSU income calculation used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409026343 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Per XXX doc and tracking in file, initial CD was issued and delivered to borrowers on XXX. Disclosure is missing in file. | 12/09/25 Client provided the XXX CD along with an earlier CD issued on XXX. There is no tracking in the file for CD XXX, yet the document was sent over labeled as "Initial CD". The XXX and Tracking in file shows CD XXX as the "Initial CD". Lender to provide clarification on which CD was the "Initial CD" and, if applicable, the Tracking for CD XXX. Subject to re-review.12/11/25 Client provided a Tracking screenshot named "disregard XXX CD". Tracking shows the XXX CD as the Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409026343 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide RSU Vesting Schedule and XXX Day Moving Average.Additional conditions may apply | 12.10.2025 Client provided evidence of XXX Day moving average price of $XXX that was used by Lender for RSU calculation for B1 however did not receive the RSU vesting Schedule as requested in initial condition. 12.18.2025 Client provided Vesting Schedule and Income worksheet with RSU calculation and XXX XXX Written VOE however initial and prior updated requested for missing: XXX Day moving average price of $XXX that was used by Lender for RSU calculation, did not receive the requested documentation. Condition remains for stock documentation supporting XXX Day moving average price of $XXX used by Lender for RSU calculation 12.20.2025 Client provided LOX stating, prior document provided did have the XXX day moving average of $XXX and re-sent again. Response, Agree is reflected on pg 4 of 9. RSU income calculation used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409026362 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had no derogatory credit history, XXX months reviewed.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has had timely mortgage payments, XXX months reviewed.<br>| Client Complete |
| 409026568 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 12/16/2025 Client provided an exception approval for using incorrect ROR form | 12/16/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409026610 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per COC 10/21/25, Revised LE is missing. | 12/15/25 Client provided a duplicate copy of the Initial XXX LE, not locked. Condition remains. File contains a XXX COC for the Rate Lock. Provide the Revised LE within 3 days of change.12/20/2025 Client provided several loan documents, however none are the missing locked LE XXX. Condition remains for missing LE XXX showing as locked per the COC in file. 01/07/2026 Client provided Acknowledgement of receipt of LE an expiration date of XXX. Condition remains for the actual LE dated 10/21 reflecting locked and discount points to lower the rate. Additional conditions may apply. 01/13/2026 Client provded missing LE XXX with COC and rate lock . | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 80 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of 49.99%<br>| Client Complete |
| 409026610 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure / FACTS. | 12/15/25 Client provided a signed LOE from Lender stating they no longer have an ABA as they sold their only affiliate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 80 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of 49.99%<br>| Client Complete |
| 409026610 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Flood Determination is missing from file. | 12.15.2025 Client provided Flood Certificate Document, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 80 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of 49.99%<br>| Client Complete |
| 409026610 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU case XXX | 12.15.2025 Client provided DU A/Ineligible Casefile ID XXX however missing executed copy of Certificate of Primary Occupancy to support DU #15 and Lender to update or correct potential red flag #7 on DU. 12.20.2025 Client provided the executed Occupancy Affidavit as subject being primary residence however DU provided now have #2, #3, #4 and #7 all need corrected input into DU and provide updated DU. 1.6.2026 Client provided DU submission #7 and previously sent submission #1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 80 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of 49.99%<br>| Client Complete |
| 409026610 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated valuation Missing ucdp with CU score of 2.5 or better or Collateral Desktop Analysis (CDA) ordered from Clear Capital or a Consolidated Collateral Analysis (CCA) from Consolidated Analytics as required by the guidelines to support appraisal value of $XXX. | 12.15.2025 Client provided Freddie MAC LCA Risk could not be assessed for this submission and CU Score 5.0 along with 3rd party CDA valuation supporting appraised value | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 80 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of 49.99%<br>| Client Complete |
| 409026652 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1) Provide a copy of the tax calculation statement to support monthly taxes for $XXX. 2) Provide a copy of the XXX#XXX mortgage statement reflecting property address XXX. Mortgage statement in the file is missing the address. | 12.12.2025 Client provided copy of XXX mortgage statement #XXX and was able to tie it belonging to: XXX property and provided taxes for property: XXX/subject which appears to have been for land only, still missing lender calculation of subject taxes of $XXX(as requested in initial condition). 12/30 Client provided supporting tax calculation using County tax est | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 credit score exceed guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of 49.99%<br>| Client Complete |
| 409026652 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Title | Satisfied<br> C<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide a copy of the Title Commitment that reflects final loan amount of $XXX, per Note. | 12.12.2025 Client provided some documents however nothing pertaining to this condition. Condition remains 12.17.2025 Client provided Title Commitment with amount of insurance $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 credit score exceed guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of 49.99%<br>| Client Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income docs | 12.15.2025 Client provided liquidity for 1120S business showing passing, however calculation appears inaccurate with Lender LOX stating included line 8 since the mortgages offset the warehouse line reflected on line 18 and align with business type. Response, without additional documentation to support Lender LOX on worksheet, liquidity reflect not passing. Condition remains 12/22 Client asked for a review; On review by Clayton XXX; of Sch L; Line 8 end of Year Mtg assets can be used to offset line 18 per Stmt 7 end of yer mtg liabilities leaving the Liquidity ratio passing | SAtisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 12/09/25 Client provided the Initial XXX CD (Tracking in file shows e-delivery on XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing initial CD acknowledged by borrower min 3 days prior to closing date. | 12/09/25 Client provided the Initial XXX CD (Tracking in file shows e-delivery on XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC150 | Income docs do not meet guidelines | No | 1. 2023 and 2024 1040s not signed / dated.2. 2023 and 2024 1040 transcripts are dated post Note date.3. 2023 and 2024 1120s and not signed / dated.Provide signed and dated 23 and 24 1040s and 1120s, meeting requirements. May be subject to additional conditions upon review. | 12.9.2025 Client provided signed (not dated) pg 1 of 2023 1120S and provided pg 2 of 2023 1040 (signed but not dated); Initial condition remains, still missing: a. missing 2024 1120s business returns to be signed/dated and b. 2023 1120S provided signed (not dated) c. missing 2024 1040 to be signed/dated and d. 2023 1040 pg 2 provided signed (not dated) 12.15.2025 Client provided signed dated 2024 1120s business returns signed/dated and 2023 1040 pg 2 signed/dated, still a. missing 2023 1120S dated (signed, but not dated) and b. missing 2024 1040 to be signed and dated. 12.18.2025 Client provided signed dated 2023 1120S and 2024 1120S (however requested provide 2024 1040), file having post dated 11.26.2025 2024/2023 1040's Transcript | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide applicable K1's for XXX K1 LOSS - XXX, as reflected on final 1003.Subject to income recalc and may be subject to additional conditions upon review. | 12.11.2025 Client provided 2024 k1 for XXX however still missing 2023 k1 for XXX; condition remains for 2023 K1 for XXX supporting average loss being used of -$XXX Client provided 2023 k1 loss for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Lender used 2 years income to qualify.Provide full 2023 signed / dated 1040; not all pages / statements are in file.Otherwise, signed/dated 25 YTD PL for 1120s is required, per guidelines. May be subject to additional conditions. | 12.9.2025 Client provided full copy of 2023 1040 and signed (not dated), condition remains for dated 2023 1040, 2023 1040 was provided however not dated. 12.15.2025 Client provided 2023 1040 signed/dated. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, please provide below. Subject to income recalc and may be subject to additional conditions.'? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets' | 12.11.2025 Client provided k1 however is for a separate condition, other condition have been updated. Initial condition remains 12.15.2025 Client provided liquidity for 1120S business showing passing, however calculation appears inaccurate with Lender LOX stating included line 8 since the mortgages offset the warehouse line reflected on line 18 and align with business type. Response, without additional documentation to support Lender LOX on worksheet, liquidity reflect not passing. Condition remains 12/22 Client asked for a review; On review by Clayton XXX; of Sch L; Line 8 end of Year Mtg assets can be used to offset line 18 Stmt 7 end of yer mtg liabilities leaving the Liquidity ratio passing | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409026659 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2996 | Missing Trust Documents | No | The loan closed in a Trust, no Trust documentation is in the file. | 12.9.2025 Client provided copy of Trust along with Certification of Trust email | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>| Complete |
| 409027015 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | 2nd Appraisal fee $XXX and Rush fee $XXX added to CD XXX without a valid change of circumstance. Tolerance cure required for $XXX. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/10/2025 Client provided COC XXX reflecting CU score greater than 2.5 requiring an additional appraisal with Borrower accepted the fee increase for additional appraisal and requested a rush with additional fee. Condition remains. Additional Appraisal validated due to CU score, however provide supporting documentation of the Borrowers request to rush the order or PCCD with $XXX cure (the correct Rush fee amount), copy of cure check, LOE to Borrower and evidence of delivery via tracking. 12/17/225 Client provided a duplicate of the COC XXX. Condition remains. Provide supporting documentation of the Borrowers request to rush the order or PCCD with $XXX cure (the correct Rush fee amount), copy of cure check, LOE to Borrower and evidence of delivery via tracking.12/24/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX + XXX additional months for Self-Employed ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing all required income documentation required by XXX XXX Program and XXX for B1 wage earner and B2 XXX. | 1/5 Client provided the required income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $XXX due to Internal testing excluding Title Notary fee $XXX but including Title Recording fee $XXX and Title Closing Coordination fee $XXX. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, PCD, LOE to borrowers and proof of shipping with tracking. | 12/29/25 Client provided an LOE, corrected XXX remains. Provide the proof of delivery that includes tracking information and reopen rescission to all title holders.12/30/25 Client provided 2 new RORs, signed on XXX, with Expiration on XXX. Condition remains. The RORs are on an incorrect H-8 Form and borrowers signed using the XXX Closing Date, not the date they received the new RORs. Provide all title holders with a correct H-9 ROR form, proof of delivery via Tracking or signatures on the date of receipt, and reopen rescission with a new 3 day waiting period after the confirmed receipt date. Condition is also still pending the proof of delivery for the $XXX refund (tracking required).01/23/2026 Client provided H9 ROR's signed on 1/9 with expiration date midnight of XXX. Condition remains. Condition is still pending the proof of delivery for the $XXX refund check dated XXX (tracking required).01/30/26 Client provided the proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Finance charge understated by $XXX due to Internal testing excluding Title Notary fee $XXX but including Title Recording fee $XXX and Title Closing Coordination fee $XXX. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, PCD, LOE to borrowers and proof of shipping with tracking. | 12/29/25 Client provided an LOE, corrected XXX PCCD and $XXX refund check. Condition remains. Provide the proof of delivery that includes tracking information and reopen rescission to all title holders.12/30/25 Client provided 2 new RORs, signed on XXX, with Expiration on XXX. Condition remains. The RORs are on an incorrect H-8 Form and borrowers signed using the XXX Closing Date, not the date they received the new RORs. Provide all title holders with a correct H-9 ROR form, proof of delivery via Tracking or signatures on the date of receipt, and reopen rescission with a new 3 day waiting period after the confirmed receipt date. Condition is also still pending the proof of delivery for the $XXX refund (tracking required).01/23/2026 Client provided H9 ROR's signed on XXX with expiration date midnight of XXX. Condition remains. Condition is still pending the proof of delivery for the $XXX refund check dated XXX (tracking required).01/30/26 Client provided the proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Right of Rescission | Satisfied<br> B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR in file signed by borrowers is missing both Transaction & Midnight of/Expiration dates. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrowers and proof of shipping with tracking. | 12/30/25 Client provided 2 new RORs, signed on 11/24, with Expiration on XXX Condition remains. The RORs are on an incorrect H-8 Form and borrowers signed using the XXX Closing Date, not the date they received the new RORs. Provide all title holders with a correct H-9 ROR form, proof of delivery via Tracking or signatures on the date of receipt, and reopen rescission with a new 3 day waiting period after the confirmed receipt date.01/21/2026 Client provided H9 ROR forms signed on XXX with expiration of XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Right of Rescission | Satisfied<br> B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR in file signed by borrowers is missing both Transaction & Midnight of/Expiration dates. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrowers and proof of shipping with tracking. | 12/30/25 Client provided 2 new RORs, signed on 11/24, with Expiration on XXX. Condition remains. The RORs are on an incorrect H-8 Form and borrowers signed using the XXX Closing Date, not the date they received the new RORs. Provide all title holders with a correct H-9 ROR form, proof of delivery via Tracking or signatures on the date of receipt, and reopen rescission with a new 3 day waiting period after the confirmed receipt date.01/21/2026 Client provided H9 ROR forms signed on XXX with expiration of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of B2s XXX to be verified through a third-party source and be no more than XXX(XXX) calendar days prior to the Note date XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source. | 12.12.2025 Client provided SOS dated XXX for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Missing all required income documentation required by XXX XXX Program and XXX for B1 wage earner and B2 XXX. Additional exceptions may apply. | 12.12.2025 Client provided appears to be Cash Flow Income analysis for B2 XXX borrower however still missing all required income documentation required per guidelines XXX XXX YR for B1 wage earner and for B2 XXX, upon receipt and review income calculation is required for both borrowers. Initial condition remains 1/5 Client provided XXX/XXX income documents | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing income calculation for B1 wage earner and income calculation for B2 XXX on XXX form or equivalent, required for income analysis. | 12.12.2025 Client provided appears to be Cash Flow Income analysis for B2 XXX borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Missing updated title evidence reflecting the correct loan amount of $XXX along with satisfaction or release of $XXX(plus costs) tax lien. | 12.12.2025 Client provided updated Title with correct loan amount of $XXX and still reflect tax lien on title however 11.b do state obtain and file satisfactory resolution of the following matters: Company requires evidence of satisfaction or release of a state/local tax in favor of County against our borrower, with title stating requiring evidence of being released/satisfied, accepting title with verbiage as will be satisfied/released. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing credit/Income documentation to complete ATR/QM review. | 12.19.2025 Client provided appears to be duplicate income tax returns in file however nothing pertaining to initial condition was provided. Initial income on file condition remains 12.29.2025 Client provided XXX w/QM Safe Harbor however still missing income documentation for re-calculation of income, condition remains for additional income documents, per initial income condition, still missing 2024/2023 1040 transcripts, missing 1120 2024 full copy of business returns and to be signed/dated (Lender using 2024/2023 w2 income from the business) and missing signed Profit/Loss statement for XXX (YTD 2025) for XXX 2.2.2026 Client provided 2024/2023/2022 1040 Transcripts along with P/L's signed dated along with lender Cash flow analysis and provided 2024/2023/2022 w2 transcripts. Income calculation have been completed with receipt of the w2 transcripts and income for B2 is supported with receipt of w2 transcripts covering 2024/2023/2022 to support difference of what is reflected on 1120 vs filed on 1040's and using w2 transcript income for B2, updated DTI 31.41% which is same as Lender income used | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage document in file, please provide. | 12/19/25 Client provided several documents, however the Mortgage/DOT was not provided. Condition remains for the fully executed Mortgage/DOT.02/02/2026 Client provided recorded, fully executed Deed of Trust including Signature page, Notary and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | DTI | Satisfied<br> B<br> A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI exceed guideline maximum of 49.99%; however, less than XXX%. | 12.19.2025 Client provided appears to be duplicate (in file) income documents however appears B2 XXX income differs (between DD Firm and Lender) which is causing the DTI. Client also provided Lender Cash Flow Income Analysis and appears to only be using w2 income from the XXX business however business returns are still required (XXX% owner). Condition remains for 1120 2024 full complete copy of business returns and signed/dated; file have 1120 business returns for 2023/2022 however income being used by Lender is 2024/2023 w2 wage income only from the 1040 however the 1120 business returns do not reflect the same w2 wage income that is being used (Example: 1120 have compensation officers amount of $XXX however Lender using $XXX and other year reflect compensation officer of $XXX however lender using $XXX), lender w2 amount being used for B2 is not the same being reported on the 1120 for compensation of officer (XXX% owner) Condition remains, difference in w2 income being used by Lender vs what is reflected on the 1120 need clarification and may require w2 transcripts, (B1 also works for B2 XXX) 2.2.2026 Client provided 2024/2023/2022 1040 Transcripts along with P/L's signed dated along with lender Cash flow analysis and provided 2024/2023/2022 w2 transcripts. Income calculation have been completed with receipt of the w2 transcripts and income for B2 is supported with receipt of w2 transcripts covering 2024/2023/2022 to support difference of what is reflected on 1120 vs filed on 1040's and using w2 transcript income for B2, updated DTI XXX% which is same as Lender income used | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Loan application reflects a new purchase second home REO located at XXX; however, there are no documentation in the file to support housing payment disclosed for $XXX/month. Provide a copy of the mortgage statement or CD from purchase of property to verify PITI and HOA statement if applicable. | 12.19.2025 Client provided copy of Sales Contract for new purchase 2nd Home XXX and provided 1008 that appears to reflect payment of $XXX however need final verification documents to support PITIA, condition remains for executed Final CD or HUD-1 from this new Purchase or copy of executed Note, taxes, HOI and HOA (if applicable) to support PITIA payment of $XXX Condition remains 12/31 Client provided the signed HUD from purchase supporting PITI of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC3204 | Income Documentation Missing | No | Missing: 1) Lender income calculation worksheet for XXX. The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. Missing: 2) 2023/2024 1040 Personal Tax Return Transcripts and 2022/2023 1120 Business Tax Return Transcripts for XXX. 3) Provide a "signed" Profit and Loss statement for XXX The one in the file is not signed. | 12.19.2025 Client appears to have provided duplicate income tax returns in file and provided Lender Cash Flow Income Analysis, condition remains for additional income documents, per initial condition, still missing 2024/2023 1040 transcripts, missing 1120 2024 full copy of business returns and to be signed/dated (Lender using 2024/2023 w2 income from the business) and missing signed Profit/Loss statement for XXX(YTD 2025) for XXX 12.29.2025 Client provided Lender cash flow income analysis (previously provided and previously reviewed) however prior updated stated was now missing the following: per initial condition, condition remains (a). missing 2024/2023 1040 transcripts, (b). missing 1120 2024 full complete copy of business returns and to be signed/dated (Lender using 2024/2023 w2 income from the business) and (c). missing signed Profit/Loss statement for XXXt (YTD 2025) for XXX income calculation and DTI still under review. 1.2.2026 Client provided B2 Cash flow income analysis and provided 2024/2023/2022 1040 transcripts and provided 1120 2023 business returns for XXX (1120 2023 was in file, was not requested), however still missing (a). 1120 2024 business tax returns and to be signed/dated (previously requested) and provide signed YTD 2025 P/L for XXXNote: file have 2024 1040 and 2024 1040 Transcript, missing the 1120 2024 business returns for B2 income calculation. Upon receipt of remaining requested income documents, income re-calculation is required. 1/7 Client provided YTD 2025 P&L still missing 2024 1120 Income review has not been finalized 1.20.2026 Client provided copy of Form 7004 extension for business and upon review it appears business fical years run from XXX of each year and file have 2024/2023 1040s and 2024/2023 1040 Transcripts along with 1120 for year 2023 (covering 4.1 - 3.31.2024) and year 2022 (covering 4.1.2022 - 3.31.2023) 2.2.2026 Client provided 2024/2023/2022 1040 Transcripts along with P/L's signed dated along with lender Cash flow analysis and provided 2024/2023/2022 w2 transcripts. Income calculation have been completed with receipt of the w2 transcripts and income for B2 is supported however still missing signed dated 2023/2022 1120 business returns, initial condition requested for business transcripts however they can be signed dated. Condition remains, file have 1120 2023/2022 however not signed dated by B2, missing signed dated by B2 1120 2023/2022 business returns. 2/2 Client provided an approved exceptiont o allow the file without the 23/22 returns signed by B2 | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409027045 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Title | Satisfied<br> D<br> A | CRDTIL796 | Missing Title | No | Missing a copy of the Title Report in the file, please provide | 12.19.2025 Client provided copy of Prelim Title Report for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 60% for unlimited cashout.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same business for XXX years<br>| Client Complete |
| 409028859 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Borrower has 3 X 30 Mortgage Lates < XXX Months | XXX Exception approved XXX to allow Borrower to have 3 X 30 Mortgage Lates < XXX Months | Clayton initial & final grade of B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX X XXX = $ XXX)+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409028991 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds program minimum 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below program maximum of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months for reserves is sufficient to cover required $XXX.<br>| Client Complete |
| 409029106 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>| Client Complete |
| 409029106 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX month rental history required for first time homebuyers. | 12/31 Client provided an approved exception to allow the file without the VOR | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>| Client Complete |
| 409029201 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file | 01/13/2026 Client provided missing Initial CD XXX. Disclosure tracking reflects Borrower acknowledgement of receipt on XXX. Both Title holders a entitled to receive. Condition remains for evidence of acknowledgement of receipt by the Co-Borrower at least 3 business days prior to closing. 01/14/26 Client provided an Email rebuttal from Seller with screenshot of the Tracking highlighting the co-borrower acceptance. Upon re-review, the tracking confirms the Initial CD was sent to the co-borrower on XXX and e-consent was provided. Waiting period was met with assumed receipt date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 720 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>| Client Complete |
| 409029201 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file contains only the Final CD XXX signed at closing. Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply | 12/24/2025 Client provided duplicates of the Disclosure tracking. Condition remains for the missing CD XXX for final testing.01/13/2026 Client provided missing Initial CD XXX. Disclosure tracking reflects Borrower acknowledgement of receipt on XXX. Both Title holders a entitled to receive. Condition remains for evidence of acknowledgement of receipt by the Co-Borrower at least 3 business days prior to closing. 01/14/26 Client provided an Email rebuttal from Seller with screenshot of the Tracking highlighting the co-borrower acceptance. Upon re-review, the tracking confirms the Initial CD was sent to the co-borrower on XXX and e-consent was provided. Waiting period was met with assumed receipt date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 720 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>| Client Complete |
| 409029201 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to decreased Lender's credit from last LE XXX to final CD XXX. COC dated XXX informs only about increase in Discount points and no updated Rate Lock extension found in file confirming decrease in Lender's credit. Condition is pending receiving a valid Change of Circumstances/ updated Rate Lock or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/16/25 Client provided a duplicate copy of the Disclosure Tracking Summary, Details and Tracking Reasons (COCs). Condition remains. Per the Tracking and COC, we are missing an Initial XXX CD from the file. Provide the missing XXX CD for further testing. Additional conditions may apply.12/24/2025 Client provided duplicates of the Disclosure tracking. Condition remains for the missing CD XXX for final testing.01/09/2026 Client provided a CD dated XXX however it is for a different property. Condition remains for Correct Initial CD XXX for final testing. 01/13/2026 Client provided the missing Initial CD XXX with COC. retesting and correction of fee name result's in no violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 720 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>| Client Complete |
| 409029335 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409029781 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409030507 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Borrower's Interest | Satisfied<br> B<br> A | CMPBI1623 | MA Borrower Interest; Worksheet missing | No | Missing MA Borrower Interest Worksheet | 12/23/2025 Client provided Determination of Borrowers Interest (Ma refis) dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409030507 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs were delivered via e-mail; however, there is no prior e-sign consent in for Borrower 2. Provide e-Consent for all borrowers. | 12/23/2025 Client provided the Blend report reflecting accepted consent for Borrower on XXX, however it shows the e-consent for Co-Borrower as pending. Condition remains for accepted consent for e-delivery by Co-Borrower.12/29/25 Client provided the Blend Audit Report reflecting both accepted E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409030507 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Income/Employment | Waived<br> B | CRDINC126 | Length of employment/self-employment does not meet guidelines | No | XXX exception approval in file for lack of XXX year earning history for B2. Income verification start date XXX | 12/29 Client provided an approved exception to allow the file without the XXX year earning history | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409030511 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing: VOE for B1 completed within 10 Business days prior to the Note and sourcing for large deposits, resulting in insufficient cash to close and insufficient reserves. serves. | 1.6.2026 Client provided documentation regarding assets. Condition remains for VVOE and prior 2024 income for B11.14.2026 Client provided copy of paystub dated XXX for current employment w/XXX however prior update (regarding income for Year 2024) was not addressed. Condition remains 1.28.2026 Client provided B1 updated paystub dated XXX in lieu of VVOE, condition remains for B1 2024 income documentation, per Lender no 2024 w2 was reflected on tax returns for B1, only B2 had w2 income. 1/29 Client provided K1 for 20224 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>| Client Complete |
| 409030511 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Verbal Verification of Employment (VVOE) must be performed no more than ten (10) business days prior to the Note date is missing for B1. | 1.6.2026 Client provided CPA LOX stating prepared borrowers 2022 - 2024 tax returns however still missing B1 VVOE with current employer XXX(< XXX% ownership per 1003) 1.14.2026 Client provided copy of paystub dated XXX for current employment w/XXX however prior update was for VVOE within XXX business days of Note. Condition remains 1.28.2026 Client provided LOX stating, Paystub uploaded is being utilized for the VOE. Response, Paystub dated XXX (that was previously provided was after Note date XXX) however paystub provided today dated XXX is dated prior to closing and within XXX business days of Note date and can consider in lieu of VVOE for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>| Client Complete |
| 409030511 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2024 W2 for B1. | 1.6.2026 Client provided LOX stating B1 did not receive a 2024 w2. Response, employment for B1 started 1.15.2021 w/XXX and file have a YTD paystub and 2023 w2; clarify the income from Year 2024 from this employer for B1 if no 2024 w2. 1.6.2026 Client provided CPA LOX however still missing documentation for B1 2024 w2 income with current employer: XXX (per 1003 started Year 2021 and file have 2023 w2 however missing 2024 income documentation for B1) 1.7.2026 Client provided duplicate (previously provided) UW comment stating B1 did not have any w2 income for 2024 being reflected on the 2024 1040 tax returns, B2 is the only one that had w-2 income for Year 2024. Response, per 1003 with employer since Year 2021 and file have 2023 w2 from current employer, unknown reason no 2024 w2 income from current employment. Condition remains and subject to additional conditions. 1.14.2026 Client provided copy of paystub dated XXX for current employment w/XXX however prior update was not addressed. Condition remains for requested documentation in prior update. 1/29 Client provided K1 2024 for B1 showing XXX% ownership | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>| Client Complete |
| 409030511 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | File is missing proof the HELOC XXX has been paid and closed. | 1.6.2026 Client provided LOX stating the loan is not a HELOC it is a construction loan, the subject property was completely renovated and any draws or modifications would be construction draws or extension of the construction loan, we have requested further documentation for this. Response, initial condition remains 1.7.2026 Client provided copy of full complete copy of Mortgage verifying this is a Construction Mortgage, mortgage that is being paid off w/XXX Bank #XXX is a construction mortgage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>| Client Complete |
| 409030511 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | #1) - The new loan amount is limited to pay off the current first lien mortgage, any seasoned non-first lien mortgages, closing costs and prepaid items. A seasoned equity line is defined as not having draws totaling over $XXX in the most recent XXX(XXX) months. Withdrawal activity must be documented with a transaction history. Transaction history is missing from file, from deposit statement HELOC XXX appears to have had a Draw in the amount of $XXX on XXX as well as draws that increased the balance from $XXX in XXX to $XXX in XXX. #2) - Title commitment Schedule B part I #9 reflects prior mortgage dated XXX with a modification recorded XXX. Missing documentation whether the modification was due to hardship or included debt forgiveness a seven year seasoning would be required. | 1.6.2026 Client provided LOX stating the loan is not a HELOC it is a construction loan, the subject property was completely renovated and any draws or modifications would be construction draws or extension of the construction loan, we have requested further documentation for this. Response, initial condition remains 1.6.2026 Client provided an email LOX stating showing loan is a mod that was recorded and says it was done to increase the loan amount and extend the maturity date with no mention of hardship or debt forgiveness (per Title), this email will cover #2 of initial condition. Part #1 of initial condition now remains 1.7.2026 Client provided copy of full complete copy of Mortgage verifying this is a Construction Mortgage, mortgage that is being paid off w/XXX #XXX is a construction mortgage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>| Client Complete |
| 409030542 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 12.22.2025 Client provided Lender QM Safe Harbor status (in Collaborate) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409030542 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide VOM from XXX - XXX to complete most recent XXX month review.May be subject to additional conditions. | 12.29.2025 Client provided Lender LOX stating, There was NO mortgage on the property from XXX to XXX. Credit report shows the prior mortgage paid in full XXX. New Mortgage opened XXX. Ive attached the Final CD for the new mortgage opened XXX. There were NO mortgages being paid off. The only item besides closing costs & prepaids is the Cost of Construction. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409030564 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409030584 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 35 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years at current job<br>| Client Complete |
| 409030584 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Guidelines require the executed gift letter include gift amount and source, donor's name, address, phone number and relationship. The gift letter does not reflect source of gift. | 1.2.2026 Client provided updated gift letter with including the source of the gift given | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 35 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years at current job<br>| Client Complete |
| 409030584 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower is employed by the XXX. Per guidelines evidence of XXX program to be included in file. | 12/22 Client provided an LOX that they do not have an employee loan program; Client provided an approved exception to allow the file with the lender not having an established employee loan program | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 35 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years at current job<br>| Client Complete |
| 409030619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/25/2025 Client provided Signed Certification the Lender does not have a business relationship with any service providers or any 3dr party entities in the loan transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409030619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409030619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation that HOA for XXX is still $XXX/annual. REO Appraisal showing HOA is from 2020. | 12/24 Client provided a XXX search supporting HOA $XXX monthly | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409030627 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of liquidity analysis for using greater income from box 1 in K1 than ox D. | 1/2 Client provided the liquidity analysis supporting qualification | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at departing residence for XXX years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has been in profession for XXX years.<br>| Client Complete |
| 409030633 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409030646 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Upon receipt of missing credit report | 1.13.2026 Client provided Lender XXX w/QM Safe Harbor and provided Credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 earns additional income of $XXX annually (per WVOE) that was not used to qualify.<br>| Client Complete |
| 409030646 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide additional month asset statements for XXX Bank #XXX. Two months statements required per guidelines. | 1.13.2026 Client provided XXX Bank #XXX XXX, - XXX statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 earns additional income of $XXX annually (per WVOE) that was not used to qualify.<br>| Client Complete |
| 409030646 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Credit report used to qualify was not provided. Provide credit report. | 1.13.2026 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 earns additional income of $XXX annually (per WVOE) that was not used to qualify.<br>| Client Complete |
| 409030646 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Provide credit report used in qualifying. | 1.13.2026 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 earns additional income of $XXX annually (per WVOE) that was not used to qualify.<br>| Client Complete |
| 409030878 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure/ FACTS missing in file | 01/12/26 Client provided a signed attestation from lender stating they do not have any affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline maximum of 720 for maximum cashout of $XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 80.00%<br>| Client Complete |
| 409030991 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Missing Credit ReportProvide HOA for XXX Document in file shows property in HOA but does not give an amount | 12.19.2025 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>| Client Complete |
| 409030991 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | RESPA - List of homeowners counseling organizations not in file | 12/19/25 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>| Client Complete |
| 409030991 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing Credit Report | 12.19.2025 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>| Client Complete |
| 409030991 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH183 | Credit report incomplete | No | Missing Credit Report | 12.19.2025 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>| Client Complete |
| 409031070 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing full Appraisal. | 12.17.2025 Client provided full appraisal dated 11.04.2025 with value of $XXX however missing a copy of appraiser license.12.21.2025 Client provided copy of appraiser license | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409031070 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR100 | Missing Appraisal | No | Missing full Appraisal reflecting a value of $XXX. | 12.17.2025 Client provided full appraisal dated XXX with value of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409031070 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | FEMA | Satisfied<br> B<br> A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No Property Inspection or Appraisal since FEMA Disaster - Severe Winter Storm XXX. Missing current full Appraisal. | 12.17.2025 Client provided full appraisal dated XXX with value of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409031082 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Insufficient assets verified in the file to meet the closing cost requirement. Total assets verified in the file were $XXX (XXX balance deducted from available assets) with cash required to close of $XXX leaving $XXX short to close. Final 1003 shows lender used assets from XXX stock account in the amount of $XXX to qualify. These statements are missing from the file. | 1/9 Client provided an Equitable statement with sufficient funds | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409031082 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3036 | Assets reflect unsourced deposits | No | 1) File is missing verification of acceptable source of funds for deposit of $XXX on XXX into XXX\*XXX.2) Borrower used assets from a CD account in the amount of $XXX that was transferred to XXX \*XXX to qualify. CD account statement provided in the file is dated from XXX to XXX. XXX-day seasoning or verification of acceptable source of funds is required. | 1/9 Client provided XXX XXX#XXX statement; Condition remains 1.12.2026 Client provided addition CD statement w/XXX dated XXX; condition remains for source of funds deposit of $XXX on XXX into XXX#XXX; appears the description of deposit is from LPL 1.13.2026 Client provided email from borrower regarding deposit of $XXX coming from XXX#XXX however not reflected as such on the XXX statement due to deposit took place after this statement, deposit into XXX was on XXX; XXX#XXX balance of $XXX have been reduced to $XXX(to consider the deposit of $XXX in XXX #XXX) or could have been backed out of XXX and included in XXX, either way have taken into consideration the large deposit, previously was counting twice due to not having the XXX#XXX most recent print out reflecting final balance after transfer of $XXX into XXX. Updated reserves are $XXX or XXX months. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409031082 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserves requirement. Total assets verified in the file were $XXX (XXX balance deducted from available assets) with cash required to close of $XXX leaving no assets available for reserves. XXX months PITI in reserves required. Final 1003 shows lender used assets from XXX stock account in the amount of $XXX to qualify. These statements are missing from the file. | 1/9 Client provided an XXX statement with sufficient funds | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409031082 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA or CCA supporting appraised value of $XXX. | 1/9 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409031096 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 89 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years XXX months at current employer.<br>| Client Complete |
| 409031116 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition. | 02/02/26 Client provided an approved exception for the incorrect ROR form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>| Client Complete |
| 409031123 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of 90% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>| Client Complete |
| 409031153 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Field Review Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/06/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and Delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409031153 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE XXX was e-signed by both borrowers; however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers. | 12/24/2025 Client provided accepted consent for e-delivery for both dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409031161 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements; no additional REO.<br>| Client Complete |
| 409031184 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. CU Score in file not assessed, guideline requires 2.5 and below. | 1/13/2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for XXX years.<br>| Client Complete |
| 409031185 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Per title commitment in file, loan originated with a different creditor. Incorrect H9 ROR form was used for this transaction. Condition is pending re-opening a rescission on correct H8 ROR form to all title holders with dates allowing delivery, LOE to borrowers, PCD and proof of shipping with tracking. | 01/26/2026 Client provided H8 ROR's signed by both on 01/23. Expiration date Midnight of 01/27. Condition remains for the end of rescission period. 02/03/26 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserve XXX exceed guideline for 9 months PITI required<br>| Client Complete |
| 409031185 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance due to added Appraisal Fee $XXX on LE XXX without valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 02/03/26 Client provided a XXX PCCD, LOE/COC and shipping label (tracking confirms shipment). Condition remains for a copy of the $XXX refund check.02/03/26 Client provided another copy of the refund package that includes the $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserve XXX exceed guideline for 9 months PITI required<br>| Client Complete |
| 409031230 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserve XXX exceed guideline for 18 months<br>| Client Complete |
| 409031240 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Note date is XXX. VOE in file is dated XXX. Most recent payroll deposit is dated XXX. LPA #14 requires lender to obtain 10 day preclosing VOE or after note but prior to delivery date. | 1.21.2026 Client provided VVOE (XXX) dated XXX within XXXX of Note (XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX line of work.<br>| Client Complete |
| 409031256 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $XXX or XXX months<br>| Client Complete |
| 409031256 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 01/09/26 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $XXX or XXX months<br>| Client Complete |
| 409031256 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD 12/8/2025 is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing. | 01/09/26 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $XXX or XXX months<br>| Client Complete |
| 409031256 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Short funds to close $XXX, Appears Retirement account used for closing provide evidence of liquidation or provide additonal liquid assets | 1.28.2026 Client provided duplicate (in file) XXX $XXX print out dated XXX with balance of $XXX and XXX however appears difference is a XXX day XXX balance of $XXX is being considered from liquid assets which is causing the shortage in funds to close of $XXX; condition remains1.30.2026 Client provided LOX stating, Seller comment: Please see attached asset statement for XXX#XXX from XXX - XXX. There are payments on XXX - $XXX and XXX $XXX totaling $XXX. Debt on credit report was paid. Response, Client provided duplicate (in file) prior XXX#XXX XXX statement that reflect an XXX payment of $XXX was made on XXX and $XXX on XXX which would total to $XXX (accepting) adding back the $XXX in liquid assets, sufficient funds to close met. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $XXX or XXX months<br>| Client Complete |
| 409031265 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | 12/05/25 Client provided a signed LOE from Lender stating they do not have any affiliates in the state of CA. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is lower the maximum amount of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 115 points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving utilization XXX%.<br>| Client Complete |
| 409031265 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is lower the maximum amount of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 115 points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving utilization XXX%.<br>| Client Complete |
| 409031265 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Funding fee added in B. section on LE XXX without a valid reasons documented on COC XXX. Tolerance cure required for $XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/05/25 Client provided a duplicate copy of the XXX LE. Condition remains. The XXX COC does not reflect a valid change explanation for the addition of the $XXX Funding Fee in Section B. Lender to provide additional documentation, from the time of the change, to support the addition of the Funding Fee after the initial disclosures. Subject to re-review.12/16/25 Client provided copies of the XXX COC, XXX LE and a Rebuttal from the Seller stating a loan program change qualifies as a valid COC that affects settlement charges (Per Seller, loan program changed from XXX/XXX Conv Fixed to XXX Bank Elite 30-Yr Fixed High Bal). Condition remains. Provide supporting documentation for the $XXX Funding Fee addition that shows the direct relation to the Funding Fee being added for the program. Subject to re-review.01/08/26 Client provided an Email with attached Program Guide reflecting the $XXX associated fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is lower the maximum amount of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 115 points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving utilization XXX%.<br>| Client Complete |
| 409031266 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/18/2026 Client provided an exception approval for using incorrect ROR form | 1/18/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409031266 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject was listed for sale in the last XXX | 1/20 Client provided an approved exception to allow the file with the property listed in the last 12 months | Upon review by Clayton XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409031271 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | COC form issued XXX indicating a revised LE was issued w/ numerical changes. Missing revised LE. | 12/23/25 Client Provided missing last LE XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409031271 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409031278 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | File is missing Closing Disclosure hand-signed at closing. Consummation Date is XXX. The file contains a XXX CD, however it was not Signed. Provide the signed copy of the XXX CD, OR Lender to confirm they did not obtain a signed copy of the XXX CD at Closing. | 12/31/2025 Client provided LOE stating this loan was a Hybrid closing and the Final CD was electronically signed on XXX. A PCCD was prepared on XXX to review seller charges. The PCCD was sent to the borrowers but signatures were not obtained due to no changes on the buyer's side. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>| Client Complete |
| 409031446 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409031449 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR5360 | ROR - Waiver used to fund loan prior to the end of the rescission period | No | ROR in file is missing the Expiration Date. File contains a hand-written rescission Waiver letter, signed and dated by all parties, indicating a financial hardship and request to Waive the rescission waiting period. | (No Data) | Initial and Final Grade B. File contains an Email from the Client approving the ROR Waiver based off 1026.23(e). The borrower has a financial hardship and needs the funds early to prevent losing financing on a second home purchase. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 60%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>| Client Complete |
| 409031534 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of XXX by 131 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months of assets is sufficient to cover required reserves $XXX/XXX = $XXX.<br>| Client Complete |
| 409031534 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing documentation used to determine 2023 and 2024 bonus breakdown. | 12.18.2025 Client provided Conventional Review Form and income calculation worksheet and file have YTD 2025 paystub and prior two years w2's to support bonus income. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of XXX by 131 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months of assets is sufficient to cover required reserves $XXX/XXX = $XXX.<br>| Client Complete |
| 409031534 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value of $XXX due to CU Score 3.4 | 12.18.2025 Client provided Conventional Review Form however initial condition requested for 3rd party CDA valuation supporting appraised value, not received. Condition remains 12.26.2025 Client provided Field review dated XXX with value of $XXX and appraisal value was $XXX; Field review value is supported within XXX% tolerance (actual is XXX%) with copy of Lender variance Field review in lieu of CDA | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of XXX by 131 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months of assets is sufficient to cover required reserves $XXX/XXX = $XXX.<br>| Client Complete |
| 409031539 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX months at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline 661.<br>| Client Complete |
| 409031539 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 consecutive months of the XXX Money Market account # XXX supporting a balance of $XXX.Missing Gift letter and source of funds for $XXX. | 12.26.2025 Client provided two month statement w/XXX Bank #XXX dated XXX - 11.20.2025 supporting requested balance and provided copy of Gift Letter and evidence of wire transfer receipt of funds in the amount of $XXX from Parents and evidence of receipt reflected on Subject CD | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX months at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline 661.<br>| Client Complete |
| 409031539 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Waived<br> A<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective XXX matches disbursement date XXX. Compliance to cancel | XXX provided exception approval for Insurance Effective date is greater than the transaction date | Claytons final grade B | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX months at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline 661.<br>| Client Complete |
| 409031539 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Missing purchase contract. | 12.26.2025 Client provided assets documentation however nothing for this condition found. Condition remains 12.29.2025 Client provided executed copy of subject Purchase Price supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX months at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline 661.<br>| Client Complete |
| 409031544 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409031550 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 12/23/2025 Client provided missing Homeowners Counseling Organization List dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409031558 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | LE XXX is the only LE in file. Several COCs found but corresponding disclosures are missing. Zero tolerance in amount of $XXX due to increased Discount Points by $XXX from LE XXX to final CD XXX, increased 2nd Appraisal by $XXX and added Survey fee $XXX (not a shoppable fee per SPL) with no valid COC in file. Condition is pending receiving all disclosures for further testing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 01/06/26 Client provided missing LEs printed XXX, XXX, XXX and XXX, along with the Initial XXX CD and Final XXX CD. Re-testing still results in a Zero Tolerance violation of $XXX for the added $XXX 2nd Appraisal Fee and $XXX Survey Fee. The XXX COC does not provide a valid reason/explanation for the added $XXX 2nd Appraisal Fee. The XXX COC does not provide a valid reason/explanation for the added $XXX Survey Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.1/13/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of 80% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409031581 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409031581 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least three business days prior to closing date of XXX. | 12/22/2025 Client provided duplicate Initial CD XXX e-signed on XXX with accepted consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409031581 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 12/22/2025 Client provided duplicate Initial CD XXX e-signed on XXX with accepted consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409031590 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $XXX X 12 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>| Client Complete |
| 409031595 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived<br> B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing initial CD XXX and a revised CD XXX issued for non-borrowing spouse. If disclosures were emailed, a prior e-consent is also required. | 01/19/26 Client provided a duplicate copy of the Initial XXX CD and the disclosure tracking showing delivery to the primary Borrower only. Condition remains. Provide the evidence of delivery for the Initial XXX CD to the non-borrowing title holder.01/22/26 Client provided an Email response from the Lender that states the initial CD from XXX was canceled/excluded from the timeline. A revised initial CD was sent to borrower and NBO on XXX. Condition remains. The Initial XXX CD cannot be excluded from testing, as the CD was delivered to the borrower with confirmation of receipt via tracking and signature. The non-borrowing title holder was entitled to this CD. 02/02/26 Client provided an approved exception for the missing Initial XXX CD to the non-borrowing title holder. | Final Grade B. Non-borrower received the Final CD and ROR period. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409031616 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party VOE for XXX | 12/26 Client provided the 3rd party VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX moths<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409031639 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI. XXX required<br>| Client Complete |
| 409031642 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject:A. Per appraisal: SFR, $XXX HOAB. Per DU Findings : 'Property Type - Planned Unit' '26 This property is located in a PUD project. Determine that the PUD project meets the underwriting requirements of theapplicable project classification.Refer to the Selling Guide for more information. (MSG ID XXX)''29 The homeowner's association/cooperative fee is homeowner's association/cooperative fee is$XXX for this case, therefore the qualifying ratios and the underwriting results may not be accurate. Verify if the borrower is obligated to pay a homeowner's association/cooperative fee. If so, update the value for the HOA fee on the loan application and resubmit the loan casefile to DU.Include the fees that are attributable to the unit including: Common expense assessments, management fees, monthly assessments, ground rents, and Other fees that are the responsibility of the unit owner.(MSG ID XXX)'-- Provide either updated appraisal and PUD rider , or updated DU findings reflecting SFR.May be subject to additional conditions upon review. | 12.24.2025 Client provided updated DU submission #3 with property type input as Single Family vs PUD | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both Borrowers have XXX years each in their professions<br>| Client Complete |
| 409031647 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 02/04/26 Client provided a condition upload on XXX however the document could not be opened. Please re-send.02/04/26 Client provided the missing Homeownership Counseling Organizations List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>| Client Complete |
| 409031647 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender refi. Incorrect ROR H8 form was used instead of H9 form | 2/2/26 Client provided an approved exception for not using correct ROR form | 2/2/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>| Client Complete |
| 409031647 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide XXX Calculation of $XXX/month for XXX | 2.4.2026 Client provided Lender calculation used for XXX supporting $XXX for requested property XXX is with same lender that provided the calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>| Client Complete |
| 409031657 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 1/2/26 Client provided an approved exception for using incorrect ROR form. | 1/2/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 109 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers documented assets exceed the minimum requirements.<br>| Client Complete |
| 409031672 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/10/2025 Client provided an exception approval for using incorrect ROR form | 1/10/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXXGuidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409031672 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.14.2026 Client provided LOX stating, per seller, Document Uploaded. Can consideration be made to use LP findings? Loan was initially run with LP and Ive updated findings to show as current. Response, Lender provided LP findings however file was review manually to XXX XXX YR (not AUS), are we switching the program to XXX AUS vs XXX XXX YR, please clarify with updated lock switching to XXX AUS for re-review to LP findings, Lender 1008 says manual as well. Initial condition remains and if switching to AUS to review to LP, provide updated lock confirmation as XXX AUS vs XXX XXX YR 1.26.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% (within XXX% tolerance) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXXGuidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409031694 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Title Commitment of final CD XXX don't indicate endorsement was issued and T-64 form with fee breakdown is missing in file. Provide evidence endorsement was issued. | 01/05/2026 Client provided Texas Disclosure form T-64, Condition remains. The disclosure does not specify endorsement T42 is included. 1/06/2026 Client provided the Final Settlement Statement reflecting endorsement T42 included. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>| Client Complete |
| 409031694 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Title Commitment of final CD XXX don't indicate endorsement was issued and T-64 form with fee breakdown is missing in file. Provide evidence endorsement was issued. | 01/05/2026 Client provided Texas Disclosure form T-64, Condition remains. The disclosure does not specify endorsement T42.1 is included. 1/06/2026 Client provided the Final Settlement Statement reflecting endorsement T42.1 included. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>| Client Complete |
| 409031694 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> D<br> A | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value | No | Missing Affidavit of Fair Market Value executed by all parties. | 01/06/2026 Client provided fully executed Affidavit of Fair Market Value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>| Client Complete |
| 409031702 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Assets | Satisfied<br> B<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing all XXX assets and verification of net proceeds of $XXX for sale of XXX sold on XXX | 1.27.2026 Client provided account information for XXX #XXX with account transaction from XXX - XXX however still missing XXX #XXX and verification of net proceeds were deposited into #XXX however transferred out on XXX and possibly into #XXX however missing XXX #XXX statement. Condition remains 1/29 Client provided XXX XXX and XXX statements with sufficient proceeds and deposit | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409031702 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | DTI | Satisfied<br> B<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender to provide evidence borrower does not own XXX that is listed on DV report with purchase date of XXX | 1.27.2026 Client provided copy of settlement statement verifying sold as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409031705 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of 49.99%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>| Client Complete |
| 409031718 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for self employment | 12.26.2025 Client provided 3rd party SOS vvoe for self employment dated XXX with Note date XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per tax returns borrower at same employment since XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | APR Tolerance | Satisfied<br> B<br> A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing | No | Triggered due to missing temporary buydown agreement | 12/11/2025 Client provided missing buydown Agreement | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | The List of homeowners counseling organizations is not in the file | 12/11/2025 Client provided missing Homeowners Counseling Organization List dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. | No | 12/11/2025 Review of Lender provided Buydown Agreement and the Final CD reflecting Borrower and Seller splitting the cost of the buydown. The total fixed payments on the CD bands do not match the internal calculated payment bands. | 12/24/2025 Client provided rebuttal. Condition remains Per review by Internal Compliance Counsel interpretation of the portion of the regulation around Split Buydowns is that the borrower portion should be disclosed. Provide PCCD with correction to the Projected payments. Band one should be $XXX, Band 2 $XXX, Band 3 $XXX and Band 4 $XXX with LOE to Borrower.01/12/26 Client provided an Email stating Seller asked for clarification on how many payments each band should represent. Internal testing shows the correct Band entry as Year 1 $XXX (Band 1), Year 2 $XXX (Band 2), Year 3 $XXX (Band 3) and Years 4-30 $XXX (Band 4). Provide a corrected PCCD with LOE to Borrowers.01/26/26 Client provided a revised PCCD from the Lender with request to review for correct values before disclosing to the borrower. Condition remains. Testing resulted in several additional violations. Upon review by internal Compliance counsel, given the amount of issues the Lender is having, we can accept a detailed LOE in lieu of a PCCD under the 130(b) cure provision. 130(b) based corrections can be completed through a detailed LOE to borrower that specifically identifies the corrected data points.01/27/26 Client provided a detailed LOE to borrower that specifically identifies the corrected data points. Reviewed by internal Compliance counsel. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2996 | Missing Trust Documents | No | The file does not contain the Trust Documentation. | 12.11.2025 Client provided copy of Trust agreement however missing executed Certification of Trust 12.12.2025 Client provided copy of executed Trustee Acknowledgment however still missing executed Certification of Trust. Condition remains 12.16.2025 Client provided executed Certification of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | The File contains a Split Buydown agreement with the costs of the buydown were split between the seller and buyer; Split buydowns are now allowed by program GLs | 1.5.2026 Client provided exception approval to allow for Split Buydown, ineligible per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: verified reserves XXX months with DTI of XXX% and fico score XXX | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031821 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing XXX SSR with CU Risk Score. | 12.11.2025 Client provided XXX CU Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of derogatory credit, XXX months reviewed.<br>| Client Complete |
| 409031826 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has stable employment with XXX years at current job.<br>| Client Complete |
| 409031827 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months<br>| Client Complete |
| 409031829 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409031837 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409031845 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Assets | Satisfied<br> B<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | per AUS missing assets for XXX, per AUS XXX months required | 12.21.2025 Client provided updated DU submission #10 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409031845 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for both borrower XXX | 12.21.2025 Client provided 3rd party SOS dated XXX for borrowers (XXX% ownership each with same employment) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409032134 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409032140 | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 1/06/2026 Client provided missing Initial CD 12/08 e-signed by both on XXX and accepted consent for e-delivery XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX years at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower XXX year at current employment<br>| Client Complete |
| 409032140 | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD XXX signed at closing on XXX is in file. Missing initial CD acknowledged by borrowers min 3 days prior to closing. | 1/06/2026 Client provided missing Initial CD XXX e-signed by both on XXX and accepted consent for e-delivery XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX years at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower XXX year at current employment<br>| Client Complete |
| 409032143 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for XXX years.<br>| Client Complete |
| 409032145 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Application | Waived<br> C<br> B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | NAL : Borrowers and Sellers are neighbors, who are selling each of their respective primary residences to the other, also FSBO. B1 Loe page 266 combined file. | 1/15 Client asked for additonal details; Borrower and seller have a neighborly/personal relationship and negotiated a price directly, the property was not listed on the open market. XXX considers this a NAL transaction1/15 Client provided an approved exception to allow the file with the Non Arms Length transaction | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409032145 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per guidelines, provide most recent second consecutive month statements for the following accounts:XXX Bank # XXX and # XXX.Subject to asset recalc and may be subject to additional conditions upon review. | 1.15.2026 Client provided 2nd consecutive month for XXX Bank #XXX and #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409032145 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide missing 1008 | 1.15.2026 Client provided lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409032161 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of 90% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>| Client Complete |
| 409032166 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Credit Report and verification of Taxes/Insurance for XXX | 1.14.2026 Client provided copy of credit report and provided evidence of taxes of monthly $XXX for XXX however missing evidence of the insurance for XXX. Note: REO of 1003 shows $XXX for XXX and reflect no monthly HOI however HOI is not verified and may need to be included in DTI upon receipt of hazard insurance. First lien mtg statement do not reflect hazard being escrowed. 1.22.2026 Client provided borrower LOX email stating XXX is land and having no monthly HOI on this Lot and provided evidence tax record showing as Vacant land | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409032166 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | 01/15/2026 Client provided Lenders missing Affiliate Business Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409032166 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing Credit Report to determine number of tradelines. | 1.14.2026 Client provided credit report dated XXX tradelines met for B2 (only income used for B2) | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409032166 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Missing Credit Report for B1/B2. | 1.14.2026 Client provided copy of credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Significant time in profession, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITIA in reserves.<br>| Client Complete |
| 409032175 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD dated XXX e-signed by borrowers XXX, and final CD dated XXX was signed by borrowers on XXX product not disclosed at least 3 business days prior to closing. | 10/05/2026 Client provided missing Initial CD XXX e-disclosed on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032175 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX e-signed by borrowers XXX, and final CD dated XXX was signed by borrowers on XXX. Closing Disclosure, required to be provided to the borrower at least three business days before closing, is missing from the file. | 10/05/2026 Client provided missing Initial CD XXX e-disclosed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032229 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>| Client Complete |
| 409032230 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 15 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current employer.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX years XXX months in profession.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional income from 2nd employer of XXX years not included in XXX<br>| Client Complete |
| 409032260 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below guideline maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum of 680.<br>| Client Complete |
| 409032260 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Waived<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower has XXX years of XXX Income | 1/8/25 Client provided approved exception for less than XXX years XXX | Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below guideline maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum of 680.<br>| Client Complete |
| 409032262 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking doc dated XXX in file, a revised CD XXX was issued and received by borrowers but the disclosure is missing | 12/24/2025 Client provided Disclosure tracking indicating a revised CD was sent and received. Condition remains. Provide the XXX CD. 12/26/2025 Client provided missing CD XXX e-signed XXX with consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>| Client Complete |
| 409032262 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>| Client Complete |
| 409032381 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409032384 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: > XXX years at job<br>| Client Complete |
| 409032385 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Collateral Desktop Analysis fee for $90.00 added on LE XXX without a valid reason documented on COC XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/09/26 Client provided a XXX PCCD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX month at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months verified assets is sufficient to cover required reserves.<br>| Client Complete |
| 409032388 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is the only CD in file. Product not disclosed at least three days prior to closing date of XXX. | 01/29/26 Client provided the missing XXX Initial CD, XXX Revised CD and XXX Revised CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409032388 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX prior to closing. | 01/29/26 Client provided the missing XXX Initial CD, XXX Revised CD and XXX Revised CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409032388 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in the amount of $XXX as Extension Fee was added to CD XXX was not timely disclosed. Condition is pending receipt of missing disclosures to correspond with COCs dated XXX and XXX or PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information. | 01/29/26 Client provided the missing XXX Initial CD, XXX Revised CD and XXX Revised CD. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409032388 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX rental history | 1/28 Client provided the VOR | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409032396 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has been in the same profession for XXX years.<br>| Client Complete |
| 409032396 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR verifying rental history 0X30 within last XXX months.. Bank statements withdrawals in file do not match total rent as per lease. | 1.7.2026 Client provided breakdown showing each borrower paying half of rent each month; file have B1 statements and B2 statements were provided to cover verifying each party making half of the monthly rent. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has been in the same profession for XXX years.<br>| Client Complete |
| 409032420 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | A | A<br> D<br> B | A | A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance | 1.6.2026 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409032420 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | A | A<br> D<br> B | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $XXX Appraised Value due to CU Score of 4.4. | 1.6.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409032491 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 21 months.<br>| Client Complete |
| 409032491 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | E Closing fee $XXX added to final LE XXX section B. Fee is subject to zero tolerance. COC issued XXX does not list fee amount or give any details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 01/21/26 Client provided a XXX PCCD, LOE to Borrower, refund check for $XXX and tracking (shipment confirmed). Condition remains. The cure required was $XXX, per the Final CD testing. The LOE to Borrower says $50, however the refund check and PCCD cure amount is only $XXX. The eClosing Fee on the PCCD was also reduced from $XXX to $XXX for unknown reasons. Lender to provide explanation for discrepancy in fee amount. Subject to re-review.01/23/2026 Client provided Duplicates of the cure documents previously provided. Status does reflect delivered. Condition remains. The LOE to Borrower says $XXX, however the refund check and PCCD cure amount is only $XXX. The e-Closing Fee on the PCCD was also reduced from $XXX to $XXX for unknown reasons. Lender to provide explanation for discrepancy in fee amounts. Subject to re-review.01/27/26 Client provided an LOE and copy of a separate $XXX refund check to borrower. LOE states the $XXX additional cure was already provided in mid December by the funder via XXX on XXX. Condition remains. Provide confirmation the borrower received the $XXX check.02/06/2026 Client provided a duplicate of PCCD XXX reflecting a Cure of $XXX and cash to Borrower of $XXX. Also provided a copy of the remaining $XXX check LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 21 months.<br>| Client Complete |
| 409032491 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing Verification of rent for 0 x 30 in past XXX months | 1/6 Client provided aa rent free letter from Parent | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 21 months.<br>| Client Complete |
| 409032555 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | File is missing signed authorization to close the HELOC mortgage paid off with subject loan. | 1.5.2026 Client provided evidence of borrower requesting closure of HELOC w/XXX upon receipt of payment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 41 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; 9 months required.<br>| Client Complete |
| 409032561 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/26/2026 Client provided missing Required Affiliate Business Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409032568 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Transfer Tax from $XXX on last LE XXX to $XXX on initial CD XXX and final amount to $XXX on CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 12/23/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409032571 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/05/2026 client provided a signed certification of no business relationship with any settlement service providers or any 3rd party entities in the loan transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032571 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032574 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409032585 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Using RSU for income. Borrower does not have RSU for XXX years with the same Employer. | 1.5.2026 Client provided exception approval to allow used of RSU income with lack of XXX year RSU income with current Employer | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX with verified reserves of $XXX or XXX months and DTI XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months 0x30 on current mortgage<br>| Client Complete |
| 409032585 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide CDA. CU Score 2.8 | 1.5.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months 0x30 on current mortgage<br>| Client Complete |
| 409032600 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of XXX year VOE for B2 | 1.15.2026 Client provided duplicate (in file pg 92) Written VOE for B2 covering employment from XXX - XXX however initial condition was for 2023 w2 for B2, nothing provided pertaining to 2023 w2 income. Initial condition remains 1.27.2026 Client provided 2023 w2 for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>| Client Complete |
| 409032600 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXX.Provide missing prior VOE for B2 from XXX - XXX to complete 24employment requirement and to document XXX months employed in US as required for Permanent Resident Alien status.May be subject to additional conditions upon review. | 1.15.2026 Client provided duplicate (in file pg 92) Written VOE for B2 covering employment from XXX - XXX however initial condition was for missing prior VVOE B2 covering 24 months employment in US. Initial condition remains 1.27.2026 Client provided B2 prior employments VVOE covering 24 months employment in US and provided gap of employment LOX from XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>| Client Complete |
| 409032600 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Provide 2023 W2 for B2 | 1.15.2026 Client provided duplicate (in file pg 92) Written VOE for B2 covering employment from XXX - XXX however initial condition was for 2023 w2 for B2, nothing provided pertaining to 2023 w2 income. Initial condition remains 1.27.2026 Client provided 2023 w2 for B2 | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>| Client Complete |
| 409032605 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032605 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | 01/21/26 Client provided a revised XXX CD hand signed at Closing on XXX with updated closing costs, including an increased Recording Fee without a valid COC. This CD matches the Disclosure Tracking in file labeled as the "Final" CD. Re-testing results in a XXX Percent Tolerance violation of $XXX. Provide borrower with a $XXX refund, PCCD with tolerance cure, LOE and proof of delivery that includes tracking information. | 01/26/26 Client provided an Email from Seller with a missing XXX COC validating the Recording Fee increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032605 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as e-Closing Fee for $XXX was added and Appraisal Fee increased by $XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/21/26 Client provided an Email response from the Seller stating their Final CD reflects $XXX, not $XXX, for the eClosing Fee. The signed copy of this CD was provided for testing (matches the Disclosure Tracking for the Final CD). Re-testing still results in a Zero Tolerance violation of $XXX. Provide borrower with a $XXX refund, PCCD with tolerance cure, LOE and proof of delivery that includes tracking information.01/30/26 Client provided a XXX PCCD, $XXX refund check, LOE to borrower and tracking (shipment confirmed). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409032614 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per eSign Process Summary/XXX, a revised Loan Estimate was issued on XXX which is missing from file. Provide LE and corresponding Change of Circumstance. | 01/29/26 Client provided the missing XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>| Client Complete |
| 409032614 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to addition of Appraisal Desk Review on CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 01/29/26 Client provided the missing XXX COC and XXX LE. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>| Client Complete |
| 409032614 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | Exception request to all 2 ADUs on a single family residence. | 1/12/26 Lender approved exception for all 2 ADU's on a single family residence. UW determined that is non-material due to the following compensating factors: stable employment XXX years for borrower, and fico score 749. | Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>| Client Complete |
| 409032626 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing documentation to support required full XXX asset statements: missing XXX and XXX from XXX #XXX with balance $XXX and XXX from XXX #XXX with a balance $XXX. | 1/30 Client provided XXX statements for XXX; still missing XXX from XXX #XXX with a balance $XXX.2/5 Client provided the XXX XXX statement supporting the assets | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>| Client Complete |
| 409032634 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report shows zero derogatory mortgage events since account opening XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX months with current employer, XXX years in the field. B2 has XXX years with current employer.<br>| Client Complete |
| 409032735 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409032743 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived<br> B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing initial CD XXX issued and acknowledged by non-borrowing titleholder. If disclosure was emailed, prior e-consent is also required. | 02/02/26 Client provided an approved exception for the missing Initial CD acknowledged by non-borrowing title holder. | Final Grade B. Non-borrowing title holder CD issued and acknowledged at Closing with required rescission period received. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $XXX X 3 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score XXX; Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>| Client Complete |
| 409032749 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.29.2026 Client provided LOX stating, per seller, Document Uploaded. Sorry...there appeared to be miscommunication regarding this loan and the value was inaccurately changed. Uploaded the additional appraisal listed on the UCDP reports, Updated 1008/URLA reflecting the accurate Appraised value, & Updated AUS findings with accurate value. Response, file now having two full appraisals valued $XXX and $XXX completed by separate appraisers (lowest value now being used with updated 1008/AUS for LTV of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409032760 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE115 | TX Equity - TX 12 - Day disclosure not signed by borrower/owners | No | TX 12 - Day disclosure not signed by borrower | 01/28/26 Client provided the fully executed Notice Concerning Extensions of Credit (12-day). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>| Client Complete |
| 409032760 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value not signed by lender | 01/28/26 Client provided a duplicate copy of the FMV Affidavit. Condition remains. The Affidavit is missing the Lender signature information. Provide a copy of the FMV Affidavit signed by the Lender Rep.2/02/2026 Client provided fully executed Affidavit of Fair Market Value signed by lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>| Client Complete |
| 409032760 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE120 | TX Equity - TX 12 - Day discl date unknown; unable to verify timeframe | No | TX 12 - Day disclosure is not signed or dated by borrower | 01/28/26 Client provided the fully executed Notice Concerning Extensions of Credit (12-day). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>| Client Complete |
| 409032760 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide missing DU AUS findings stated on the 1008.May be subject to additional conditions upon review. | 1.27.2026 Client provided copy of initial and final DU submission #1 and #3 however #2 of DU (regarding student loans) need to be removed with input correctly of monthly payment being included in DTI. Condition remains 1.31.2026 Client provided updated 1008/1003 however DU was not provided. Condition remains for the updated DU 2.2.2026 Client provided updated DU #4 with corrections | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>| Client Complete |
| 409032763 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITIA; $XXX or XXX months required.<br>| Client Complete |
| 409032768 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX% for LTV greater than XXX%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>| Client Complete |
| 409032773 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | RESPA: Required Affiliate Business Disclosure or FACTS sheet missing | 01/06/2026 Client provided Lender does not have Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>| Client Complete |
| 409032779 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide 2 months bank statements for Chase XXX/XXX. Have XXX-XXX | 1/14 Client provided evidence account was used to source deposit only; disregarded from Assetsf | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at their current residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have had timely mortgage payments, XXX months reviewed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>| Client Complete |
| 409032780 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 143 points above minimum program requirement of XXX<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Prior mortgage payment was $XXX, new payment is $XXX equivalent to XXX% reduction<br>| Client Complete |
| 409032782 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing Condo Master Policy | 1.28.2026 Client provided Condo Master HOI Policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX per 1065<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409032929 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements 90.00%.<br>| Client Complete |
| 409032930 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>| Client Complete |
| 409032931 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>| Client Complete |
| 409032933 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>| Client Complete |
| 409032943 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC152 | Missing verbal VOE required by guidelines | No | Missing verbal XXX VOEs for Borrower 1 and 2. | 1.2.2026 Client provided 3rd party SOS for both borrowers XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409032943 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2550 | Missing HUD-1 from sale of property | No | 2024 1040 Schedule E shows a rental property XXX that is not on the Final 1003. Missing Final HUDI/CD verifying XXX has been sold. | 1.2.2026 Client provided rental income worksheet for XXX listed on Final 1003 and with review of final 1003 this property is not listed on REO of 1003. Condition remains (a). provide updated 1003/1008 including this property on REO of 1003 and (b) verification of PITIA documents, if applicable for this property or verify have been sold. Upon receipt of documentation, rental calculation for this property is required, if applicable.1.5.2026 Client provided Lender LOX stating, Attached is the letter from the CPA regarding XXX- there is no parcel number associated with XXX. CPA confirmed that XXX is just the second half of XXX. XXX is the same property reported as XXX (a duplex). | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>| Client Complete |
| 409032944 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXXcredit score exceed guideline minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of 90%<br>| Client Complete |
| 409032945 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>| Client Complete |
| 409032962 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Provide Affiliated Business disclosure from the lender. | 01/29/2026 Client provided Attestation reflecting there weren't any Affiliate Businesses involved in the processing of the loan for this subject property. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>| Client Complete |
| 409032962 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX XXX XXX, we are satisfying to XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>| Client Complete |
| 409032974 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below guideline maximum XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 720.<br>| Client Complete |
| 409032977 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409032983 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of 80% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% % DTI below guideline requirement of 49.99%.<br>| Client Complete |
| 409033000 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 01/09/26 Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033000 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Documentation to support Self-Employed income of $ XXX/ month as reflected on the 1003 & 1008 | 1.8.2026 Client provided 1065 2024/2023 for 2nd XXX w/XXX and provided 1120S 2024/2023 for 1st Primary self employment income w/XXX Condition remains: (a). missing 2024/2023 1040 Transcripts and (b) 2024/2023 1065 business returns to be signed/dated for XXX and (c). 2024/2023 1120S business returns to be signed/dated for XXX and (d). 2nd XXX w/XXX missing 3rd party VVOE (did not locate in file and to support over 2 years/active status). 1.13.2026 Client provided 2024/2023/2022 1040 Transcripts and provided SOS (undated) for XXX (2nd XXX), condition now remains for (a). 2024/2023 signed dated of both businesses: 1120S XXX and 1065 XXX and (b) prior to closing SOS verification of 2nd XXX w/XXX (provided however undated). 1.15.2026 Client provided duplicate copies of tax returns however none are signed dated (per prior update). Condition remains (a). missing 2024/2023 signed dated business returns for both businesses: 1120S XXX and 1065 XXX and (b). missing prior to closing SOS verification of 2nd XXX w/XXX (SOS provided however was undated). 1.20.2026 Client provided SOS for XXX with stamp dated by lender XXX vs dated being printed on documented when document was printed. Condition remains for still missing 2024/2023 signed dated business returns for both businesses: 1065 XXX and 1120S XXX1.26.2026 Client provided signed dated 2024/2023 1040 (pg 2) along with pg 1 of 2024/2023 requested business returns | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033000 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.8.2026 Client provided duplicate (in file) copy of subject appraisal however still missing 3rd party valuation supporting value. Initial condition remains 1.13.2026 Client provided duplicate (in file) copy of subject appraisal however still missing 3rd party valuation supporting the appraisal value. 1.15.2026 Client provided Fannie CU Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033001 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in departing residence >XXX years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>| Client Complete |
| 409033012 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing w2's and year to date paystub for XXX XXX supporting income used to qualify $XXX. | 12.15.2025 Client provided Written VOE dated XXX covering YTD 2025 and prior 2024/2023 earnings, with employer over 8 years. Income used for qualifying supported, Monthly paid salary of $XXX for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months in assets for reserves is sufficient to cover required $XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv below guideline max of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of 660.<br>| Client Complete |
| 409033012 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated 3rd party valuation | 12.23.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months in assets for reserves is sufficient to cover required $XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv below guideline max of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of 660.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Unable to validate income due to missing documentation. | 12.12.2025 Client provided 2024/2023 w2's along with income calculation worksheet and appears the other income is RSU income which is supported on 2024/2023 w2's that was provided and Written VOE in file however still missing the following: (a). YTD 2025 paystub and (b). RSU vesting Schedule for income calculation continuance and (c). continuance calculation is based on current stock price or 52-week average for the most recent twelve (12) months reporting at the time of application. Condition remains for these three (3) additional items (a, b and c) for RSU income continuance calculation 12.18.2025 Client provided RSU vesting Schedule along with stock price, RSU income calculation and continuance is verified and supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File contains only 1 month statement for 2 XXX XXX accounts. Guidelines require 2 months. Excluding these assets would result in loan not meeting the reserve requirements. | 12.12.2025 Client provided prior (XXX) XXX IRA statement for #XXX however still missing 2nd month statement for XXX#XXX only XXX statement for XXX #XXX12.15.2025 Client provided 2nd month (XXX) NW statement for #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing the required XXX month rental history. | 12.12.2025 Client provided satisfactory payment VOR current housing history | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender used "other" income of $XXX monthly. WVOE does show other income, but missing documentation to determine what type of income this is or how it was calculated. | 12.12.2025 Client provided 2024/2023 w2's along with income calculation worksheet and appears the other income is RSU income which is supported on 2024/2023 w2's that was provided and Written VOE in file however still missing the following: (a). YTD 2025 paystub and (b). RSU vesting Schedule for income calculation continuance and (c). continuance calculation is based on current stock price or XXX-week average for the most recent XXX(XXX) months reporting at the time of application. Condition remains for these three (3) additional items (a, b and c) for RSU income continuance calculation 12.18.2025 Client provided RSU vesting Schedule along with stock price, RSU income calculation and continuance is verified and supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing paystubs and W2s for B1. WVOE only in file. Guidelines do not allow WVOE as the sole source of verification; paystubs and W2s are required. | 12.12.2025 Client provided 2024/2023 w2's however still missing Borrower YTD 2025 paystub 12.15.20225 Client provided YTD 2025 XXX paystub and previously provided the 2024/2023 w2's and file have a XXX XXX Written VOE dated XXX covering YTD 2025 and prior XXX years. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | File is missing the purchase contract. | 12.12.2025 Client provided executed Sales Purchase Contract for Price $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | File is missing a loan approval/1008. | 12.12.2025 Client provided Lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | File is missing evidence that appraisal report was successfully submitted to UCDP. | 12.12.2025 Client provided UCDP CU Score along with 3rd party CDA supporting value | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033187 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 12.12.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409033237 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. 0x30 = XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points below minimum program requirement of 660<br>| Client Complete |
| 409033244 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/06/2026 Client provided a copy of the XXX listing Financial Companies, such as. Condition remains for an actual list of the Affiliated companies of XXX Bank. 01/09/26 Client provided a copy of the Lender Affiliates list (financial companies). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increased from $XXX to $XXX with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/06/2026 Client provided a duplicate of the Initial CD XXX and a duplicate of the COC XXX. Condition remains. Zero tolerance in amount of $XXX due to Appraisal fee increased from Initial LE $XXX to $XXX on Initial CD XXX then to Final CD XXX $XXX. Add 2nd Appraisal is not a valid reason. Provide further information of what happened for the additional Appraisal fee and then the final $XXX over on the Final CD. 01/14/2026 Client provided PCCD XXX with cure, cure check, LOE and In transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Credit | Application | Satisfied<br> B<br> A | CRDAPP5430 | FNMA Application Form is Outdated | No | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Final CD dated XXX reflects $XXX pay off for construction with no evidence of disbursement of payment for work done and no evidence of the completion of improvements being met as outlined by the completion certificate 1004D. After further review the XXX Clayton XXX determines that the guideline infraction is non-material due to the following compensating factors; XXX% DTI, $XXX verified reserves and XXX years with the same employer. | (No Data) | 12.31.25- non-material waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Title commitment loan amount is $XXX with actual loan amount being $XXX. | 1.9.2026 Client provided updated Title Commitment with $XXX proposed amount of insurance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033245 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR231 | Appraisal form version used is outdated | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Appraised value of $XXX is supported by CCA with a XXX% variance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max 49.9%.<br>| Client Complete |
| 409033268 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>| Client Complete |
| 409033279 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrower at closing on XXX. Only initial CD XXX and PCD XXX provided in file. | 02/02/2026 Client provided an incomplete CD. Condition remains for the Final CD that was provided at closing to the Borrower. Additional Conditions may apply. 02/04/26 Client provided the missing XXX CD signed at Closing on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in reserves. Required reserves are XXX x $XXX PITIA = $XXX and XXX for departure residence x $XXX PITIA = $XXX. Total required reserves are $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409033279 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing evidence to verify borrower's XXX income being used to qualify as required by XXX; evidence stock is publicly traded, current vesting schedule reflecting past and future vesting, brokerage/bank statement showing receipt of previous years distribution of XXX and number of vested shares. | 2.3.2026 Client provided XXX moving day stock price along with XXX granted stock with file having a breakdown of XXX stock units (pg108) and XXX statement with XXX info, monthly income used for qualifying is supported along with continuance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in reserves. Required reserves are XXX x $XXX PITIA = $XXX and XXX for departure residence x $XXX PITIA = $XXX. Total required reserves are $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $XXX. Per XXX in file, Title Recording fee $XXX was not included and remaining $XXX is not identified as XXX indicates Finance Charge in amount of $XXX and final CD XXX Loan Calculation Finance Charge as $XXX. Condition is pending receiving receiving a copy of refund, PCD, LOE to borrower and proof of shipping with tracking. | 01/22/26 Client provided an updated XXX PCCD revising the Loan Calculations to match the XXX testing in file. Condition remains. The PCCD still reflects understated Finance Charge by $XXX(with overstated Amount Financed by $XXX) due to the Lender excluding the $XXX Title-Recording Fee. Due to required testing at Consummation, the borrower is still due the full refund of $XXX(refund check), LOE to borrower, a new corrected PCCD and proof of delivery that includes tracking information.01/23/26 Client provided another copy of the XXX PCCD and an Email from Lender stating they are only coming up XXX for the refund. Condition remains. The Finance Charge testing occurs at Consummation, via the Final CD values. That CD was understated $XXX. Borrower is entitled to a $XXX refund check, LOE, PCCD and proof of delivery with tracking information.01/27/2026 Client provided PCCD XXX with refund, copy of the check request and LOE. Condition remains for Copy of the check and evidence of delivery via tracking. 02/02/26 Client provided a copy of the $XXX refund check. Condition remains. Provide the proof of delivery (tracking required).02/04/2026 Client provided a duplicate copy of the refund check and In Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Finance charge understated by $XXX. Per XXX in file, Title Recording fee $XXX was not included and remaining $XXX is not identified. Condition is pending receiving receiving a copy of refund, PCD, LOE to borrower and proof of shipping with tracking. | 01/22/26 Client provided an updated XXX PCCD revising the Loan Calculations to match the XXX testing in file. Condition remains. The PCCD still reflects understated Finance Charge by $XXX(with overstated Amount Financed by $XXX) due to the Lender excluding the $XXX Title-Recording Fee. Due to required testing at Consummation, the borrower is still due the full refund of $XXX(refund check), LOE to borrower, a new corrected PCCD and proof of delivery that includes tracking information.01/23/26 Client provided another copy of the XXX PCCD and an Email from Lender stating they are only coming up XXX for the refund. Condition remains. The Finance Charge testing occurs at Consummation, via the Final CD values. That CD was understated $XXX. Borrower is entitled to a $XXX refund check, LOE, PCCD and proof of delivery with tracking information.01/27/2026 Client provided PCCD XXX with cure, copy of the check request and LOE. Condition remains for Copy of the check and evidence of delivery via tracking. 02/02/26 Client provided a copy of the $XXX refund check. Condition remains. Provide the proof of delivery (tracking required).02/04/2026 Client provided a duplicate copy of the refund check and In Transit shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 1008 comments state B2's $XXX monthly distribution from XXX # XXX, is from an IRA. Provide confirmation / documentation that this account is an IRA account; unable to determine such based on statements in file.Subject to income recalc and may be subject to additional conditions. | 1.22.2026 Client provided Lender LOX stating XXX does not appear to be an IRA and is now considering this account as asset depletion vs IRA distribution and provided calculation using balance of account minus reserves and cash to close considering balance after reserves and cash to close for monthly income of $XXX(B2 is of retirement age) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2157 | Missing Signed 4506 in file | No | 4506 in file is signed by B2, however the Print / Type name below the signature is B1's name.Provide 4506 for B2 meeting requirements | 1.30.2026 Client provided executed 4506C for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033284 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR171 | Subject Photos Unacceptable | No | Photo of front of subject property, page 11 of appraisal / page 244 of combined file, is not of subject. Wrong house #. Appraiser to provide updated appraisal removing the photo or adding the correct photo to this section; the correct photo is located on page 12 of appraisal. | 1.21.2026 Client provided updated appraisal with correct front of subject property on all applicable pages | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033287 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Executed ROR by primary only provided. Missing Executed ROR for NBS or additional Title holder. | 01/06/26 Client provided an LOE from the seller with copies of the borrower and non-borrower's drivers license. LOE provides the CFPB's interpretation of 1026.23 Right of Rescission guidance. Non borrower is a non-occupant title holder. Reviewed by internal Compliance counsel. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033287 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B<br> A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | 12/29/25 Client provided the missing XXX Initial CD and Tracking. The Tracking only reflects delivery and receipt for the primary Borrower. Provide the proof of delivery and confirmation of receipt to the non-borrowing title holder (XXX). | 12/30/25 Client provided a duplicate copy of the XXX Initial CD and Tracking. Condition remains. The Tracking only reflects delivery and receipt for the primary Borrower. Provide the proof of delivery and confirmation of receipt to the non-borrowing title holder (XXX).01/06/26 Client provided an LOE from the seller with copies of the borrower and non-borrower's drivers license. LOE provides the CFPB's interpretation of 1026.23 Right of Rescission guidance. Non borrower is a non-occupant title holder. Reviewed by internal Compliance counsel. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033287 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation. | 12/29/25 Client provided the missing XXX Initial CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033298 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 101 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years XXX months at current employer.<br>| Client Complete |
| 409033298 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from LE XXX $XXX to initial CD XXX $XXX. COC issued XXX lists fee amount but does not give sufficient details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 01/12/26 Client provided another XXX COC stating the Appraiser said their fee would be increased to XXX. Condition remains. This is not a valid "change in circumstance" reason for the increased charge. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.01/19/26 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 101 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has XXX years XXX months at current employer.<br>| Client Complete |
| 409033299 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033300 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>| Client Complete |
| 409033316 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed. E consent not provided. Missing E consent. | 02/02/2026 Client provided a copy of the Blend report reflecting accepted consent for both on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at current residence.<br>| Client Complete |
| 409033316 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial & Final LE method of receipt E signed. E consent not provided. Missing E consent. | 02/02/2026 Client provided a copy of the Blend report reflecting accepted consent for both on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at current residence.<br>| Client Complete |
| 409033320 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. CU Score in file 2.7, guideline requires 2.5 and below. | 1.5.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>| Client Complete |
| 409033327 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing pension income documentation. | 1.8.2026 Client provided copy of pension award letter supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 9 months<br>| Client Complete |
| 409033327 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/5/2026 Client provided an exception approval for using incorrect ROR form | 1/5/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 9 months<br>| Client Complete |
| 409033327 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | DTI | Satisfied<br> B<br> A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI is XXX%Qualifying DTI is XXX%.Per final AUS findings, DU had XXX% DTI. | 1.8.2026 Client provided pension award letter verifying receipt of $XXX and appears to also get $XXX XXX retirement pay supported with award letter and 2024 1099 that was provided and this income is reflected on Final 1003 however appears DU DTI is XXX% with not including the additional $XXX XXX retirement pay, this appears to be the difference in DTI. Condition remains for updated DU to reflect additional $XXX XXX pension pay if being considered (which is reflected on the Final 1003)1.28.2026 Client provided updated DU submission #6 with updated DTI of XXX % including the additional $XXX XXX pension pay | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 9 months<br>| Client Complete |
| 409033327 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide documentation to support pension income of $XXX/month per guidelines/DU AUS: Document current receipt of pension income for B1 with one of the following documents: statement from the organization providing the income, copy of retirement award letter or benefit statement, or copy of financial or bank account statement. May require additional conditions. | 1.8.2026 Client provided copy of pension award letter supporting $XXX and provided award letter and 2024 1099 for XXX retirement pay pension of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of 9 months<br>| Client Complete |
| 409033331 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing sufficient documentation supporting $XXX PITIA reflected on Final 1003 for REO | 2.3.2026 Client provided duplicate (in file) LE and LOX stating this LOT XXX listed on REO is a new construction up and coming has not closed yet and will not until later this year, however listed on REO and included and estimate PITIA payment per the LE in the DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033331 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination | 2.3.2026 Client provided Lender QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033331 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 12/22/25 LE in file reflects $XXX PITI for xxx REO.Provide sufficient documentation supporting $XXX PITIA reflected on Final 1003.Subject to DTI and reserves recalcs and may be subject to additional conditions upon review. | 2.3.2026 Client provided duplicate (in file) LE and LOX stating this LOT XXX listed on REO is a new construction up and coming has not closed yet and will not until later this year, however listed on REO and included and estimate PITIA payment per the LE in the DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033345 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of rent for XXX prior residence confirming 0X30 for the most recent XXX per guideline . | 2/2 Client provided an approved exception to allow the file without the VOR | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>| Client Complete |
| 409033355 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | 01/28/2026 Client provided signed confirmation that the Lender does not any Affiliated businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX line of workBorrower2 has XXX line of work<br>| Client Complete |
| 409033355 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | XXX guidelines indicate the executed gift letter with gift amount and source, donors name, address, phone number and relationship. Gift letter in file is missing source of funds. | 1.21.2026 Client provided executed gift letter with source of gift funds and provided copy of incoming wire details of gift | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX line of workBorrower2 has XXX line of work<br>| Client Complete |
| 409033359 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033359 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Legal Documents | Satisfied<br> B<br> A | CRDLGL2422 | Missing Purchase Contract | No | Missing Purchase Contract | 12.30.2025 Client provided executed copy of Purchase Contract with Price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033383 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/24/25 Client provided an approved exception for using incorrect ROR form. | 12/24/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>| Client Complete |
| 409033384 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 exceeds guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months reserves is sufficient to meet the required reserves $XXX<br>| Client Complete |
| 409033384 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance due to increase in Appraisal Fee from $XXX to $XXX on LE:XXX without valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/31/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and Courier has status shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 exceeds guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months reserves is sufficient to meet the required reserves $XXX<br>| Client Complete |
| 409033384 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing borrower's e-consent in file. | 12/31/2025 Client provided Blend report, however consent all shows pending. Provide prior accepted consent for e-delivery for the Borrower. 01/07/26 Client provided an updated Document Audit Report that reflects the accepted E-Consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 exceeds guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months reserves is sufficient to meet the required reserves $XXX<br>| Client Complete |
| 409033384 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing E-consent in file | 12/31/2025 Client provided Blend report, however consent all shows pending. Provide prior accepted consent for e-delivery for the Borrower. 01/07/26 Client provided an updated Document Audit Report that reflects the accepted E-Consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 exceeds guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months reserves is sufficient to meet the required reserves $XXX<br>| Client Complete |
| 409033385 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Appraisal | Waived<br> C<br> B | PRVAAPPR4789 | Appraisal Deficiency | No | Per guidelines, appraisals must be completed for the subject transaction. Use of a prior appraisal,regardless of the date of the prior appraisal, is not allowed. Appraisal provided is for initial purchase transaction dated XXXProvide appraisal meeting guidelines and updated valuation to correspond with it.May require additional conditions. | 12/18 Client provided an approved exception to allow the file with the appraisal from a prior transaction | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum requirement of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for XXX years<br>| Client Complete |
| 409033387 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing a complete copy of the most recent statement for XXX accounts \*XXX and \*XXX. Statement provided in the file is missing data. | 12.23.2025 Client provided XXX #XXX and #XXX bank statement for XXX; file have prior statement XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 114 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months of PITI available in reserves; 9 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409033392 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing a VOR, or other documentation, reflecting 0X30 rental payment history in the last XXX(XXX) months for the departing residence. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. A payment history print-out provided in the file does not show any information identifying the borrower as the renter/owner of the account. | 1.22.2026 Client provided evidence of XXX months satisfactory rental payment history along with copy of XXX#XXX statement verifying borrower ownership of account | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 109 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months of PITIA available in reserves; 6 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>| Client Complete |
| 409033410 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Texas Equity - Affidavit of Fair Market Value not signed by lender | 01/16/2026 Client provided the missing Affidavit of Fair Market Value not signed by lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months; 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409033410 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to Recording fee increase from $XXX on initial CD XXX to $XXX on final CD XXX with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 01/16/2026 Client provided COC XXX reflecting recording fee increase based on need to record additional unanticipated documents-QCD $XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months; 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409033410 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX - section Loan Disclosure Non-Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrower. | 01/19/26 Client provided a corrected XXX PCCD. Condition remains for the LOE to Borrower.01/26/2026 Client requested re-review and Collaborate comment: Documents uploaded for review. per seller Please review the PCCD uploaded on XXX, we have filled section Loan Disclosure Non-Escrow Account. (re-uploaded this document) Condition remains. The PCCD XXX was reviewed on XXX and comment updated at that time for the LOE to the Borrower explaining the changes made on the PCCD. 02/06/26 Client provided the missing LOE to borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months; 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409033410 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VOE is dated XXX, missing VOE dated within 10 days prior to note date | 1.20.2026 Client provided VVOE dated XXX with Note date of XXX- VVOE is dated after Note date, initial condition remains for prior to closing VVOE, to be dated no later than the note date of XXX1/26 Client asked for review; Upon review by Clayton XXX the VVOE dated XXX is the same date as Funding Date XXX which meets XXX requirements per B3-3.1-07 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months; 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of B2 VOE and clarification of REO disposition | 1.28.2026 Client provided documentation for clearing of all credit conditions | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 01/28/2026 Client provided Disclosure tracking reflecting LE 16 was received XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Application | Satisfied<br> D<br> A | CRDAPP130 | Application is incomplete | No | Provide updated 1003 for B2 reflecting XXX as current employer - as this is the income Lender used to qualify. | 1.28.2026 Client provided updated 1003/application reflecting B2 current employment w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Clayton's Drive / Fraud report confirms Borrower 2 had a foreclosure XXX on XXX, XXX XXX; which does not meet foreclosure seasoning guidelines. | 1/27 Client provided loan safe showing Borrower sold property prior to FC actions | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide documentation supporting the following from DTI exclusion. May be subject to additional conditions upon review. 1. XXX, shows B1 as owner on Clayton's XXX/Fraud report | 1/27 Client provided loansafe showing Bwr sold XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033413 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | As the Lender used XXX, the current employer for B2 to qualify the loan, provide VOE from same supporting the most recent XXX employment, meeting guidelines. May be subject to additional conditions upon review. | 1.28.2026 Client provided post close dated XXX VVOE for B2 employment w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409033450 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at current residence.<br>| Client Complete |
| 409033460 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI. XXX months required<br>| Client Complete |
| 409033470 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033475 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/28/2026 Client provided an attestation reflecting Although the privacy notice received lists Affiliates, no referral has been made to those Affiliates for this transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>| Client Complete |
| 409033475 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>| Client Complete |
| 409033475 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is the only CD in file. Product not disclosed at least three days prior to closing date of XXX | 01/21/26 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>| Client Complete |
| 409033475 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Provide initial CD given to borrower at least three days prior to closing date of XXX. | 01/21/26 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income docs and and credit report for QM determination | 1/14 Client provided Paystubs and credit report ; Missing evidence used to exclude XXX car loan from qualification and missing 2 years W2s 1.21.2026 Client provided XXX months (XXX - XXX) business bank statements w/XXX Bank #XXX verifying business making monthly payment of $XXX Lease payment w/XXX (XXX) and provided 2024 w2 with Written VOE covering XXX - current (XXX) with employment starting XXX; only year 2024 reflect bonus income that is being used for qualifying of $XXX; no evidence of XXX year history receipt of bonus income. Condition remains, bonus income not supported with at least XXX years receipt of history. 1.26.2026 Client provided end of year 2024/2025 paystubs supporting XXX year bonus history, monthly bonus income of $XXX supported | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | APR Tolerance | Satisfied<br> B<br> A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing | No | Exception triggered due to missing Loan Estimates | 01/15/26 Client provided the missing Initial and Revised LEs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of Homeowners Counseling Organizations missing from file | 01/15/26 Client provided the missing HC List and Acknowledgment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | 01/15/26 Client provided the missing ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Exception triggered due to missing Loan Estimates | 01/15/26 Client provided the missing Initial and Revised LEs. Re-testing results in no XXX% tolerance violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Exception triggered due to missing Loan Estimates | 01/15/26 Client provided the missing Initial and Revised LEs. Re-testing still results in a Zero tolerance violation of $XXX due to the added Appraisal Review Fee on the Revised XXX CD. The XXX COC does not provide a detailed explanation of what "changed" in order to prompt the addition of the Appraisal Review Fee. Reasons listed on COC are not valid. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.01/23/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Loan Estimates are missing from file | 01/15/26 Client provided the missing Initial and Revised LEs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CDs e-signed by borrowers however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 01/15/26 Client provided the Blend Compliance Report that includes the E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing a copy of the Credit Report | 1/14 Client provided the credit report | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Provide a verification of rent. VOR must be obtained reflecting 0X30 in the last XXX(XXX) months. | 1/14 Client provided XXX months rent statements | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Provide a copy of the credit report. Subject to full DTI calc and may be subject to additional conditions upon review | 1/14 Client provided the credit report | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the following: 1) 4506-C / Form 8821 must be signed and completed for all borrowers. IRS will require the latest form completed in full. 2) Year-to-date paystub with most recent pay period at the time of application and no earlier than XXX days prior to the Note date. 3) 2024 W2. Subject to full income recalc and may be subject to additional conditions meeting guidelines | 1/14 Client provided the 4506 | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Provide the following: 1) 4506-C / Form 8821 must be signed and completed for all borrowers. IRS will require the latest form completed in full. 2) Year-to-date paystub with most recent pay period at the time of application and no earlier than XXX days prior to the Note date. 3) 2024 W2. Subject to full income calc and may be subject to additional conditions upon review. . | 1/14 Client provided the 4506 | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Client provided paystubs Missing 2 years W2s and WVOE (per XXX) | 1.21.2026 Client provided XXX months (XXX - XXX) business bank statements w/XXX Bank #XXX verifying business making monthly payment of $XXX Lease payment w/XXX (XXX) and provided 2024 w2 with Written VOE covering XXX - current (XXX) with employment starting XXX; only year 2024 reflect bonus income that is being used for qualifying of $XXX; no evidence of XXX year history receipt of bonus income. Condition remains, bonus income not supported with at least XXX years receipt of history. Note: current DTI of XXX% with using bonus income, started with current employer XXX1.26.2026 Client provided end of year 2024/2025 paystubs supporting XXX year bonus history, monthly bonus income of $XXX supported | condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Client provided 2 pages of insurance declarations provide full insurance declarations | 1/14 Client provided Master and interior insurance | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Provide a copy of the Flood Cert | 1/14 Client provided the Flood Cert | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Provide a copy of the Hazard Insurance Policy | 1/14 Client provided Master and interior insurance | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Missing Purchase Contract | 1/14 Client provided the Purchase contract | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide a copy of the DU AUS | 1/14 Client provided DUAE | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033485 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Title | Satisfied<br> D<br> A | CRDTIL796 | Missing Title | No | Provide a copy of the Title Report | 1/14 Client provided the title | SAtisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced XXX Required: Subject: $XXX x XXX =$XXX required reserves.<br>| Client Complete |
| 409033495 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing copy of the hazard insurance dec page for the subject property. | 1.2.2026 Client provided subject HOI policy with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years XXX month at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below maximum allowed of 80%.<br>| Client Complete |
| 409033507 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 2/3/2026 Client provided an exception approval for using incorrect ROR form | 2/3/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>| Client Complete |
| 409033507 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as XXX Fee was added to CD XXX without a valid COC in file. This amount is in addition to the $XXX Lender Credit disclosed in Final CD XXX. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 02/05/2026 Client provided PCCD XXX with cure, LOE and In Transit shipping label. Condition remains for the copy of the $XXX additional cure check. 02/06/2026 Client provided the missing copy of the refund check. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>| Client Complete |
| 409033769 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>| Client Complete |
| 409033770 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Property Valuations | Property | Waived<br> B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Use of third party transferred appraisal. Subject property is an XXX design style. | 1/27/26 Lender approved exception for use of third party transferred appraisal, and subject is an XXX design style. Maximum LTV XXX%, and a minimum of cash reserves of $XXX. UW determined that is non-material due to the following compensating factors: Reserves of: $XXX, and fico score of XXX. | Final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409033775 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>| Client Complete |
| 409033775 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Credit | Insurance | Satisfied<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Final CD disbursement date XXX. Insurance effective date XXX; policy acceptable. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>| Client Complete |
| 409033776 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure or FACTS sheet missing. | 01/23/26 Client provided a signed LOE from Correspondent stating Lender has no affiliates businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at departing residence<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | CD XXX and CD XXX are the only CDs in file. Missing final CD acknowledged by borrower at closing on XXX. | 02/04/2026 Client provided missing Final CD XXX, signed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $XXX due to added transfer tax fee on PCD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 02/04/2026 Client provided missing Final CD XXX Condition remains. Provide a COC with a valid reason for the addition of the Deed Tax on Final CD XXX or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of shipment. 02/06/26 Client provided a XXX PCCD with cure, LOE, refund check and shipping label (tracking confirms shipment). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Government recording fee increased from $XXX on CD XXX to $XXX on PCD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 02/04/2026 Client provided missing Final CD XXX. Condition remains. Provide a COC with a valid reason for the increase of the Recording fee on Final CD XXX or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of shipment. 02/06/26 Client provided a XXX PCCD with cure, LOE, refund check and shipping label (tracking confirms shipment). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Assets | Waived<br> C<br> B | CRDAST205 | Insufficient Funds to Close | No | Condition added upon review of XXX from of home 2.3.2026 Client provided executed Final XXX from sale of property: XXX with payoff of existing liens and borrower netting $XXX dated XXX | 2.3.2026 Client provided XXX from sale of home however these funds have already been included in XXX #XXX on XXX and current balance for this statement is being considered, backed out the XXX proceeds and now showing short liquid funds to close of XXX; verify additional assets to cover short liquid funds to close. Note: non liquid assets are verified however are non liquid. 2.3.2026 Client provided exception approval for short liquid funds to close of XXX with additional assets verified as being non liquid assets. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensation factors: fico score XXX and over XXX in profession | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Hazard Insurance Coverage verification for loan amount $XXX. | 2.3.2026 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing hazard insurance documentation in the file. | 2.3.2026 Client provided copy of subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Missing Purchase Contract verifying sales price $XXX. | 2.3.2026 Client provided executed Purchase Contract supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing Final Closing Disclosure, XXX, or Settlement Statement verifying XXX, XXX, WA was sold with XXX and XXX mortgages paid off. Also, documentation to show net proceeds of $XXX. | 2.3.2026 Client provided executed Final XXX from sale of property: XXX with payoff of existing liens and borrower netting $XXX dated XXX; this condition is being satisfied with receipt of XXX however these funds are already deposited into XXX account, with removing XXX proceeds, now showing as short liquid funds to close, see added condition for short liquid funds to close | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033777 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide CDA. CU Score over XXX | 2.3.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409033787 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure/FACTS missing in file, please provide. | 01/26/2026 Client provided a signed letter on letter head stating From the date of the loan file to current date, Lender has no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXX (LIQUID XXX), cash to close XXX = XXX reserves, reserves needed 6 x XXX = XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>| Client Complete |
| 409033787 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXX (LIQUID XXX), cash to close XXX = XXX reserves, reserves needed 6 x XXX = XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>| Client Complete |
| 409033796 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>| Client Complete |
| 409033798 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>| Client Complete |
| 409033798 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing a copy of the current hazard insurance policy verifying the premium amount for an additional property owned located at XXX, XXX, ID. Used lender amount of $XXX for recalculations. | 1.26.2026 Client provided HOI for XXX. supporting monthly $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>| Client Complete |
| 409033798 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | File is missing a copy of the subject property hazard insurance policy verifying sufficient dwelling coverage and premium amount. Used lender amount of $XXX for recalculations. | 1.26.2026 Client provided Hazard insurance policy for subject supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>| Client Complete |
| 409033799 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409033812 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing the required 3 months statements and cash flow analysis for 2 business accounts with XXX 1 month in file for both accounts. | 1.20.2026 Client provided 3 months (XXX) business bank statements for both accounts #XXX and #XXX XXX however still missing Cash Flow Asset analysis for both business accounts (#XXX and #XXX) covering these 3 months assets history. Condition remains for cash flow business asset analysis 1.23.2026 Client provided a Cash Flow Analysis that appears to be for one of asset account however there are two accounts and the analysis reflect no identity of borrower, bank name, bank # etc. Condition remains for Cash Flow Asset business analysis identifying borrower, bank name, account # and analysis covering 3 months for each account. 1.26.2026 Client provided LOX stating Cash flow have business name and 3 months history, even though do not reflect borrower name and no identity of bank name and account numbers but do cover the asset current balance. Will accept cash flow analysis. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months reported 0x30; 24 months required.<br>| Client Complete |
| 409033874 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rent pay history XXX months at 0X30 exceeds guideline minimum of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>| Client Complete |
| 409033877 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409033878 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Documentation | Satisfied<br> B<br> A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Escrow holdback in the amount of $XXX; Provide evidence of release | 1.22.2026 Client provided copy of escrow holdback agreement along with copy of check escrow release funds of $XXX however missing evidence of work have been completed, file have a copy of 1004D which states: The following items listed have not been completed and are currently in the process of being finished:Plumbing fixtures to be installed; electrical fixtures to be installed; interior touch up painting to be completed; some missing trimwork to be installed; coutertops to be installed in kitchen, baths, pantry, and beverage centers; appliances to be installed; general cleanup. Estimated cost to cure $XXX-$XXX which includes the labor for remaining materials, however, the appraiser is not a XXX. Missing 1004D with work being completed. 1.27.2026 Client provided copy of escrow holdback breakdown reflecting release amount of $XXX which is also the released amount to borrowers however no documentation found (1004D) supporting work being done. Condition remains for 1004D etc. supporting work being completed. 1.29.2026 Client provided LOX stating uploaded appraisal however please re-send, only received appraisal invoice for $XXX and another upload was corrupt, was not able to open, possibly was the appraisal. Condition remains, please re-send appraisal 1.30.2026 Client provided 1004D along with interior/exterior photos of completion of escrow holdback agreement work and release of funds of $XXX being released, copy of escrow hold back agreement in file. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409033878 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409033878 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX, PCD XXX and PCD XXX: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected. Condition is pending LOX with corrected PCD to borrower. | 01/22/26 Client provided an LOE and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409033879 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and XXX 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409033880 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Last CD in file is dated XXX and e-signed on XXX. Missing final CD provided to borrower at closing on XXX | 01/12/3026 Client provided a duplicate of CD XXX wet signed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033880 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | The Title Commitment does not contain the T.42 Title Endorsement and file is missing T-64 form with Title Endorsements breakdown. | 10/12/2026 Client provided Tx Disclosure T-64 reflecting T-42 and T-42.1 endorsements included in the Title Insurance and Endorsement amount. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033880 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> B<br> A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | The Title Commitment does not contain the T.42.1 Title Endorsement and file is missing T-64 form with Title Endorsements breakdown. . | 10/12/2026 Client provided Tx Disclosure T-64 reflecting T-42 and T-42.1 endorsements included in the Title Insurance and Endorsement amount. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033880 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | The Texas Equity - Affidavit of Fair Market Value not signed by lender. | 01/12/2026 Client provided Affidavit of Fair Market Value signed by all. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>| Client Complete |
| 409033882 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $XXX X 6 = $ XXX+XXX for Additional REO or $XXX X 3 = $ XXX<br>| Client Complete |
| 409033883 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>| Client Complete |
| 409033886 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409033892 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI. 6 months required<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>| Client Complete |
| 409033898 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Per 1003 for REO at XXX the monthly mortgage payment is $XXX/month and Escrows are $XXX/month. Able to verify $XXX/month (no indication that escrows included) and $XXX/month HOA. Provide documentation for monthly taxes and insurance. | 1.31.2026 Client provided evidence of monthly taxes and insurance for XXX and monthly HOA $XXX verified in file, PITIA payment reflected on REO of 1003 for this property have been supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXXGuidelines require 3 months or $ XXX X XXX = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>| Client Complete |
| 409033898 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Per 1003 for REO at XXX the monthly mortgage payment is $XXX/month and Escrows are $XXX/month. Able to verify $XXX/month (no indication that escrows included) and $XXX/month HOA. Provide documentation for monthly taxes and insurance. | 1.31.2026 Client provided evidence of monthly taxes and insurance for XXX and monthly HOA $XXX verified in file, PITIA payment reflected on REO of 1003 for this property have been supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXXGuidelines require 3 months or $ XXX X XXX = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>| Client Complete |
| 409033898 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX . Per final CD disbursement date is XXX Condition Canceled | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | Clayton initial and final grade of B | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXXGuidelines require 3 months or $ XXX X XXX = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>| Client Complete |
| 409033900 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of 90% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months in PITIA in reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of 49.99%.<br>| Client Complete |
| 409033912 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The initial Closing Disclosure was sent on XXX and e-signed on XXX. The loan closed on XXX, which was before the required 3 day waiting period ended. | 01/30/26 Client provided a screenshot of the Initial CD Tracking that confirms e-consent and delivery/receipt confirmation by both borrowers on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409033912 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 01/27/2026 Client provided e-sign summary reflecting both accepted consent on XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409033912 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Credit | Title | Satisfied<br> B<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Prelim title supplement reflects loan amount of $XXX and should be final loan amount of $XXX. | 1.29.2026 Client provided title supplement with correct amount of insurance loan amount $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409033912 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value $XXX; no CU Score obtained. | 1.29.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409033985 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing a fully completed standard WVOE on form 1005 or the most recent XXX of W2s as required by DU. | 2.2.2026 Client provided Written VOE covering YTD XXX and prior XXX earnings and bonus XXX average was used for qualifying with file having copy of YTD XXX supporting bonus income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>| Client Complete |
| 409033985 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file contains only the Final CD XXX signed at closing on XXX. Provide the Initial CD with confirmation of borrower receipt at least XXX prior to consummation. Additional conditions may apply | 02/03/2026 Client provided missing Initial CD 1/2 with XXX reflecting Consent and viewed/signed all on XXX for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>| Client Complete |
| 409033985 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing a fully completed standard WVOE on form 1005 or the most recent XXX. of W2s as required by DU. | 2.2.2026 Client provided Written VOE covering YTD XXX and prior XXX earnings and bonus XXX average was used for qualifying with file having copy of YTD XXX supporting bonus income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>| Client Complete |
| 409033996 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>| Client Complete |
| 409033998 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | XXX tolerance in the amount of $XXX as Appraisal Fee and Transfer Taxes increased without a COC in file. Lender tolerance cure for $XXX was disclosed; however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 1/28/2026 Client provided PCCD XXX with cure, Copy of cure check, LOE and In Transit shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>| Client Complete |
| 409034001 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409034005 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal is made Subject To plans and specs with no 1004-D provided with photos to show construction complete; while appraiser does not comment on what is required the appraisal photos show the detached pool house with pool house bathroom unfinished. There is an invoice in file for the 1004-D completion but the actual document is not present in file. Certificate of Occupancy provided certifies inspection is in compliance. | 1.29.2026 Client provided 1004D with pool house being completed in a workmanlike manner along with photos and further commented the main dwelling was XXX% complete at the time of the original inspection as noted in the appraisal report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9 + REO $XXX\*3= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409034007 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%<br>| Client Complete |
| 409034015 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/2/2026 Client provided an attestation of Lender having no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>| Client Complete |
| 409034015 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence to validate possible new auto loan through XXX (acct XXX) with $XXX balance and $XXX/mo. payment as reflected on the final 1003; Credit report reflects no inquiries in the past XXX and no XXX auto tradeline with acct XXX and that balance/pmt reflected. | 1.29.2026 Client provided snippet of credit debt of XXX Auto #XXX with payment of $XXX however provide full copy of this report that reflect this information. Condition remains for copy of full report or full supplement reflecting this new debt w/XXX1.31.2026 Client provided full legible copy of credit refresh verifying new auto XXX #XXX monthly payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>| Client Complete |
| 409034015 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Title commitment reflects wrong loan amount of $XXX; subject loan amount is $XXX. | 1.31.2026 Client provided copy of Title commitment with correct loan amount $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>| Client Complete |
| 409034030 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%, below guideline requirement 49.99%<br>| Client Complete |
| 409034033 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>| Client Complete |
| 409034038 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%; max 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX; min 660.<br>| Client Complete |
| 409034038 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing XXX YTD P&L for XXX | 1.31.2026 Client provided YTD XXX P/L for XXX (Borrower XXX% ownership) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%; max 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX; min 660.<br>| Client Complete |
| 409034045 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC806 | Notary Status is missing | No | Missing copy of the fully executed and notarized mortgage, copy in file is not signed, dated or notarized.. | 01/08/2026 Client provided the fully executed, including Riders, recorded Mortgage | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below the program maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score XXX exceeds guideline minimum of XXX by 98 points.<br>| Client Complete |
| 409034045 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC869 | Mortgage not signed | No | Missing copy of the fully executed mortgage with all riders signed and dated. | 01/08/2026 Client provided the fully executed, including Riders, recorded Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below the program maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score XXX exceeds guideline minimum of XXX by 98 points.<br>| Client Complete |
| 409034045 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX Loan Disclosures is missing a selection to why the borrower will not have an escrow account. | 01/06/26 Client provided a copy of the signed Escrow Waiver. Condition remains. Provide a corrected PCCD with LOE to Borrower for the missing reason "selection" on page 4 for No Escrows.01/21/26 Client provided an LOE and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% ltv is below the program maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score XXX exceeds guideline minimum of XXX by 98 points.<br>| Client Complete |
| 409034046 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Final CD XXX in file is not signed by all title holders, system is defaulting to mailing rule as unable to identify the borrower's receipt date. Condition is pending receiving borrower's acknowledgment of final CD. Additional conditions may apply. | 01/27/26 Client provided the e-signed copy of the Final XXX CD (Consents provided). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409034046 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD XXX in file is not signed by all title holders, system is defaulting to mailing rule as unable to identify the borrower's receipt date. Condition is pending receiving borrower's acknowledgment of final CD. Additional conditions may apply. | 01/27/26 Client provided the e-signed copy of the Final XXX CD (Consents provided). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409034046 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD's dated XXX and XXX confirmed receipt eSigned by both title holders, no evidence of a DocuSign or eConsent for non-borrowing spouse in file. | 01/27/26 Client provided the Document Package Report that includes the NBS E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409034055 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>| Client Complete |
| 409034059 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>| Client Complete |
| 409034060 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Third Party Processing fee $XXX added on initial CD XXX without a valid change of circumstance in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/09/2026 Client provided COC XXX reflecting Processing fee moved from A section to B section as it is a 3rd party fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX years XXX month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 104 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>| Client Complete |
| 409034060 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | LCA score not available. File is missing a CDA or CCA supporting appraised value of $XXX. | 1.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX years XXX month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 104 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>| Client Complete |
| 409034067 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B<br> A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No | CD: XXX Section: Loan Disclosures, Escrow Waiver Fee Amount is $XXX; however, an Escrow Waiver Fee was not disclosed in Sub Sections A, B or C and there is no evidence in file that the fee was charged. | 01/13/26 Client provided a XXX PCCD with a copy of the Lock details reflecting the Escrow Waiver charge was included as a pricing adjustment in the Points, not a separate Fee. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409034067 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | CD: XXX Section: Loan Disclosures, Escrow Waiver Fee Amount is $XXX; however, an Escrow Waiver Fee was not disclosed in Sub Sections A, B or C. | 01/13/26 Client provided a XXX PCCD with a copy of the Lock details reflecting the Escrow Waiver charge was included as a pricing adjustment in the Points, not a separate Fee. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409034067 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | 01/13/26 Client provided a XXX PCCD reflecting adjusted charges. Re-testing results in a Total of Payments violation of $XXX(Title - Settlement Fee increased; Title - Notary Fee decreased). Final CD Loan Calculations at Consummation (TOP) $XXX. Internal testing (TOP) $XXX. Difference of $XXX. Cure via refund check to Borrower, LOE, proof of delivery that includes tracking information, and reopen rescission to all title holders. | 01/19/26 Client provided a XXX PCCD, LOE to borrower, $XXX refund check and Tracking (package was shipped on XXX). Condition remains. Reopen rescission to all title holders; provide the new RORs with proof of delivery and extended Expiration Date at least 3 days after delivery date.01/23/26 Client provided Email request from Seller for review of new rescission. Upon re-review by Sr. Operations Mgr., original loan was a R/T Refinance for a Construction to Perm. No rescission period required. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 49.99% max allowed.<br>| Client Complete |
| 409034071 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409034079 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $ XXX or XXX PITIAGuidelines require XXX months for Subject or $ XXX X XXX = XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 2 has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409034097 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. LCA Score in file 3.5, guideline requires 2.5 and below. | 1.9.2026 Client provided 2nd full appraisal dated XXX with value of $XXX supported within 10% tolerance (XXX%) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer, XXX years in the field.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXXis below guideline max DTI of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>| Client Complete |
| 409034100 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 95 points above minimum program requirement of XXX<br>| Client Complete |
| 409034100 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3490 | Missing Patriot Act form | No | Patriot act information disclosure is present , file is missing Patriot act form or CIP that is completed during loan closing process verifying identity with government issued ID's and recording ID numbers and expiration dates was not located. | 1/19 Client asked for additonal information; File is is missing the Borrower information form collected at closing1/20 Client provided an LOX they are a Fed CU and collect and retain Borrower information per Membership to CU | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 95 points above minimum program requirement of XXX<br>| Client Complete |
| 409034125 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/5/2026 Client provided an exception approval for using incorrect ROR form | 1/5/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time (XXX years) at current job<br>| Client Complete |
| 409034125 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 01/07/2026 Client provided a duplicate of LE XXX e-signed by both on XXX with prior e-consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time (XXX years) at current job<br>| Client Complete |
| 409034149 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per XXX and COC dated XXX, a revised LE/ last LE was issued but is missing in file. | 01/30/26 Client provided the missing XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX$ CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>| Client Complete |
| 409034149 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but a prior e-consent is missing in file. | 01/30/26 Client provided the missing E-Consents for both borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX$ CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>| Client Complete |
| 409034159 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409034162 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to decrease in Lender's credit from $XXX on LE XXX to $XXX on final CD XXX. Per COC XXX and XXX in file, a revised LE was issued on XXX but is missing. Condition is pending receiving the disclosure for further testing. Additional conditions may apply. | 01/30/2026 Client provided the missing Locked LE XXX reflecting lock, LE change and rate adjustment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% , below guideline requirement XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409034170 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX with current employer, B2 has XXX.<br>| Client Complete |
| 409034174 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 680 required.<br>| Client Complete |
| 409034191 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX bank statement for account XXX dated XXX reflects checks XXX in amount of $XXX Re "XXX total "and check XXX in amount of $XXX Re "XXX total" pay to the order of to XXX. XXX bank statement for account XXX dated XXX reflects check XXX $XXX Re "3rd pmt XXX total" pay to the order of Jodie Howard. Please provide explanation of what these amounts are for and to confirm this is not an ongoing debt obligation. Additional conditions may apply. | 1.9.2026 Client provided duplicate (in file) copy of HUD-1 to source deposit from a sale of $XXX however initial condition was not pertaining to that large deposit, initial condition was pertaining to: XXX Bank statements have some checks being paid out in large sum to XXX ($XXX, $XXX, $XXX etc.) and the memo on bottom of the checks reflect 3rd payment with $XXX total paid. Initial condition remains to provide explanation regarding and to support no ongoing undisclosed debt oblidation. 1/12 Client provided an LOX from Borrower that the $XXX in total checks represent the PP for the property paid to XXX and then sold on the open market with the HUD representing the sale of the same property with proceeds. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX i 133 points below minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on current and previous mortgages<br>| Client Complete |
| 409034241 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 1/27/26 Client provided an approved exception for using incorrect ROR form | 1/27/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX% is < program max of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX fico > program minimum of 720.<br>| Client Complete |
| 409034259 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL140 | Missing subordination agreement for existing junior lien | No | Missing evidence that 2nd lien HELOC was paid at closing or subordinated. | 1.27.2026 Client provided executed copy of subordination agreement, subordinating current 2nd lien for HCLTV of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>| Client Complete |
| 409034266 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, exception can be satisfied. Seller fees have been sourced on the Seller CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409034266 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC150 | Income docs do not meet guidelines | No | Missing Letter from XXX...XXX or ...XXX verifying request for monthly distributions $XXX that will continue for at XXX. | 1.29.2026 Client provided Letter from XXX verifying monthly IRA distribution of $XXX from IRA #XXX XXX balance was $XXX which support XXX continuance and provided evidence of monthly deposit into XXX #XXX on XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409034272 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or 7 PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>| Client Complete |
| 409034274 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | A<br> C<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure or FACT sheet missing. | 01/26/2026 Client provided a signed attestation of having no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since XXX.<br>| Client Complete |
| 409034274 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | A<br> C<br> B | B | A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX leaving $XXX available in reserves. $XXX in reserves required, or XXX PITI for the subject property plus XXX PITIA for an additional financed property owned. Additional asset documentation verifying sufficient reserves is required. | 1.22.2026 Client provided exception approval for short reserves however reserves within XXX% of required reserves. | Upon further review by XXX, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX and being XXX over XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since XXX.<br>| Client Complete |
| 409034277 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX. XXX PITI<br>| Client Complete |
| 409034292 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXXyears<br>| Client Complete |
| 409034292 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed. No evidence pending E consent was provided | 01/20/2026 Client provided the Blend report reflecting accepted consent for e-delivery by both on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXXyears<br>| Client Complete |
| 409034292 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial & Final LE method of receipt E signed. No evidence pending E consent was provided | 01/20/2026 Client provided the Blend report reflecting accepted consent for e-delivery by both on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXXyears<br>| Client Complete |
| 409034292 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation that $XXX/month for XXX includes escrows.Missing HOA $XXX/month for XXX | 1.20.2026 Client provided LOX from borrower stating no monthly HOA on XXX. however REO of 1003 reflect $XXX; condition remains to verify the $XXX reflected on REO for Mill Peak Rd. and missing documentation Mill Peak Rd mortgage payment of $XXX includes escrows. Initial condition remains to verify full PITIA payment of $XXX + $XXX which is reflect on REO of 1003 for this property. 1.27.2026 Client provided LOX regarding PITIA payment of $XXX + XXX in which $XXX is not for HOA however is toward difference in escrow and provided snippet of taxes and HOI supporting. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXXyears<br>| Client Complete |
| 409034297 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Preliminary Title in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/29/2026 Client provided an exception approval for using incorrect ROR form | 1/29/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement for XXX.<br>| Client Complete |
| 409034297 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Unable to determine # of tradelines due to missing credit report | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement for XXX.<br>| Client Complete |
| 409034297 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Provide a verification of rent, no lates 0 x 30 is past XXX. Borrower provided checks written from XXX#XXX; however, these are not cancelled checks to determine payment history. Current housing only for past XXX. | 1.30.2026 Client provided duplicate (in file) 12 copies of checks however are not cancelled checks, check numbers are 7 - 18 stating for rent. Initial condition remains 2.3.2026 Client provided XXX #XXX account activity verifying XXX rent checks paid satisfactory monthly | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement for XXX.<br>| Client Complete |
| 409034297 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Provide a copy of the credit report used for this loan transaction | 1.30.2026 Client provided credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement for XXX.<br>| Client Complete |
| 409034297 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide a copy of the DU AUS Findings used for this transaction | 2.3.2026 Client provided DU submission #2 A/E approval | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement for XXX.<br>| Client Complete |
| 409034304 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 have been in the same line of work for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline maximum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>| Client Complete |
| 409034308 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX<br>| Client Complete |
| 409034325 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 01/15/2026 Client provided Audit trail for CD XXX reflecting both accepted on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. 0x30 = XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 146 points above the maximum program requirement of XXX<br>| Client Complete |
| 409034325 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added CDA fee on initial CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/15/2026 Client provided PCCD with cure, copy of cure check, LOE and in Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. 0x30 = XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 146 points above the maximum program requirement of XXX<br>| Client Complete |
| 409034326 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 809 Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXXX XXX = $ XXX<br>| Client Complete |
| 409034326 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX . Per final CD disbursement date is XXX Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | Clayton initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 809 Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXXX XXX = $ XXX<br>| Client Complete |
| 409034326 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | 1/28 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 809 Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXXX XXX = $ XXX<br>| Client Complete |
| 409034329 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed XXX, expiration date XXX. Final CD disbursement date of XXX. Disbursement date is before end of statutory rescission period. Final ALTA in file confirming later Disbursement Date; however, final CD was not updated. Condition is pending receiving corrected PCD with LOX and proof of delivery to borrower. | 01/09/2026 Client provided collaborate comment: Subject is in CA. Can you please cancel condition, should be able to use Alta Statement for disbursement date. Condition remains. Alta in file stamped and signed reflects a Disbursement date of XXX which does not provide a full 3 day rescission. The XXX Alta in file reflects a Disbursement date of XXX, however it is a Estimate not signed or stamped. Provide a Final Alta/Settlement Statement that reflects the correct Disbursement date. 01/27/2026 Client provided a copy of the Final Alta/Settlement Statement reflecting Disbursement date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years,<br>| Client Complete |
| 409034329 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B<br> A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing initial CD XXX issued and acknowledged by non-borrowing titleholder. | 01/27/2026 Client provided an LOE from the Lender stating Borrower only on Initial XXX CD. A duplicate CD issued on XXX adding Non-Borrower. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years,<br>| Client Complete |
| 409034329 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS - DU A/I | 1/27 Client provided a lock changing the program to XXX 30, AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years,<br>| Client Complete |
| 409034342 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9 + REO $XXX\*3= $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>| Client Complete |
| 409034366 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>| Client Complete |
| 409034375 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to decreased Lender's credit from $XXX on revised CD XXX to $XXX on final CD XXX with no valid COC. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 02/05/26 Client provided a missing XXX COC for the Lock Extension and pricing adjustment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or XXX 1 X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>| Client Complete |
| 409034970 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 02/02/2026 Client provided a duplicate copy of the COC XXX already in file. Condition remains. Provide a valid reason / change that happened to result in the increase of the Appraisal fee for re-review. Additional conditions may apply or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 02/05/26 Client provided the supporting XXX COC details and Email from the XXX validating the increased charge. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX in profession / line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets exceed required amount.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>| Client Complete |
| 409035104 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | The Final CD: XXX reflects the total monthly taxes, insurance and HOA dues as $XXX. Taxes and insurance total $XXX, HOA dues total $XXX monthly. The Loan Disclosure-Escrow Account section reflects total annual HOA dues as $XXX. $XXX \* XXX = $XXX. | 02/02/26 Client provided a XXX PCCD, LOE, 1st payment letter and IEADS. (Escrow x XXX mos) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is 10% below the maximum allowable LTV of 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with current business since XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.85% DTI is below the maximum allowed DTI of 49.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 143 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $490,304.93 available in reserves; $83,120.34 in reserves required.<br>| Client Complete |
| 409035110 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%<br>| Client Complete |
| 409035371 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score XXX exceeds 660 guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>| Client Complete |
| 409035373 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Regarding Income for B1 XXXFile have a XXX Profit/Loss (pg 481, 487) with wages of $XXX(a). Need to verify these are officer wages and (b). need to verify how much of this is Borrower officer wages (B1 XXX% XXX), without these wages income will need to be decreased, in which would impact DTI (possibly over XXX%). | 1.28.2026 Client provided Lender LOX stating found an old paystub in the file which is consistent w/the P&L, its dated XXX and provided lender updated worksheet with YTD P/L calculation of income and using the YTD 10.31 paystub income is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>| Client Complete |
| 409035388 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 02/03/26 Client provided a portion of the FACTS Affiliates section. Condition remains. As Lender does have Affiliates, provide the missing Affiliate Business Disclosure.02/04/26 Client provided a signed LOE from the Lender stating they do not have any affiliated businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX verified; $XXX\*9 + REO $XXX\*3= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>| Client Complete |
| 409035388 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX verified; $XXX\*9 + REO $XXX\*3= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>| Client Complete |
| 409035391 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX\*6= $XXX reserves required.<br>| Client Complete |
| 409035397 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing XXX Cash Flow Analysis from XXX Business Statements XXX | 2.2.2026 Client provided an asset analysis however do not reflect month of the asset used and no comment regarding if any negative impact to business use of funds. Condition remains for complete asset business analysis 2.3.2026 Client provided LOX stating, cash flow analysis demonstrates no negative impact to the business, plus comments on page 2 indicate significant liquid funds available to support cash to close and reserves from business funds. Income exceeds expenses adding to additional cash available on a monthly basis. Response, accepting | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for XXX ($ XXX X 3 = $ XXX)+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409035397 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH123 | No evidence of required debt payoff | No | Per updated Data Verify Borrower owes XXX for XXX Tax Lien. Case #XXX. Provide documentation this has been paid | 2.3.2026 Client provided evidence of Certificate of Release of XXX Liens totaling $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for XXX ($ XXX X 3 = $ XXX)+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409035397 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing signed XXX Business Tax Returns | 2.3.2026 Client provided signed dated pg of XXX 1120S business returns along with XXX 1040 | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for XXX ($ XXX X 3 = $ XXX)+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409035397 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Waived<br> B | CRDINC3204 | Income Documentation Missing | No | Missing XXX Income WS and Liquidity WS | Client provided approved exception for Missing Income and Liquidity Worksheet | Upon further review by XXX exceptions deemed non material. Final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for XXX ($ XXX X 3 = $ XXX)+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409035400 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > XXX.<br>| Client Complete |
| 409035404 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% qualifying LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REOs<br>| Client Complete |
| 409035409 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Executed paid and closed letter to XXX HELOC is missing from the file. | 1.28.2026 Client provided executed by borrower requesting closure of HELOC | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 54 points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX years XXX months in line of work.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower QI based on annual salary only. WVOE reflects significant Bonus XXX ytd $XXX consisting on Bonus $XXX + RSU $XXX. 2024 Bonus $XXX was sign-on bonus.<br>| Client Complete |
| 409035412 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and for one financed REO<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX<br>| Client Complete |
| 409035413 | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITI available in reserves; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>| Client Complete |
| 409035418 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXX<br>| Client Complete |
| 409035561 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>| Client Complete |
| 409035563 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. CU score is XXX. | 1.27.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409035611 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | State Consumer Protection | Satisfied<br> B<br> A | CMPSTCP2129 | MD Counseling Notice not in file | No | Missing MD Counseling Notice | 01/30/26 Client provided the missing MD Counseling Notice. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409035612 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $XXX due to Appraisal Review fee was added to LE XXX without a valid COC in file. Condition pending receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/28/2026 Client provided a screen print of the reasons for disclosure screen reflecting Rate lock XXX and added Appraisal review fee supported by Lock with Investor in file page 530. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>| Client Complete |
| 409035614 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXXcredit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI. XXX required<br>| Client Complete |
| 409035614 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXX Verification of Rent | 2.6.2026 Client provided copy of Resident Ledger from XXX satisfactory payment history | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXXcredit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI. XXX required<br>| Client Complete |
| 409035644 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/23/26 Client provided a signed LOE from Lender stating they do not have affiliates in this transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITIRequired Reserves: $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409035644 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITIRequired Reserves: $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409035644 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE for B1 dated within 10 business days prior to Note. B1 has not ownership in Business | 1.22.2026 Client provided some loan documents however no VVOE for B1 was provided, B1 works for B2 business. B2 have XXX% B1 have no ownership, VVOE is required for B1; initial condition remains XXX Client provided VVOE for B1 dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITIRequired Reserves: $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409035644 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed YTD Profit and Loss Statement. The one in file is not signed. | 1.22.2026 Client provided executed by B2 end of year XXX P/L which reflect net income as a loss of -$XXX; condition remains with review of end of year 2025 P/L monthly income used for qualifying for B2 is not supported with P/L. 1.27.2026 Client provided Lender LOX regarding income calculation using end of year 2025 paystub and 2025 P/L, DD income calculation based on end of year 2025 P/L loss, adding back depreciation and paystub of $XXX vs $XXX would calculate to $XXX with DTI of XXX% vs lender income of $XXX and their DTI of XXX%. Lender to clarify, currently our DTI differ: XXX% vs XXX% due to DD Firm using B2 paystub amount of $XXX vs $XXX1.29.2026 Client provided updated 1008/AUS with adjusting Borrowers monthly income with updated DTI of XXX% adjusting income using YTD 2025 P/L. Residual income met | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITIRequired Reserves: $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409035644 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide legible copies of 4506. The ones in file have boxes covering up information | 1.22.2026 Client provided executed 4506C for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITIRequired Reserves: $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>| Client Complete |
| 409036693 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>| Client Complete |
| 409036979 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, both borrowers over XXX in profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements<br>| Client Complete |
| 409036981 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and XXX 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409036982 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $XXX X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>| Client Complete |
| 409036991 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Due to missing CD acknowledged by borrowers at closing on XXX (only CD XXX not signed and PCD XXX e-signed on XXX in file), method of shipping defaulted to mailing rule. Condition is pending receiving final CD acknowledged by borrowers at closing. | 02/03/2026 Client provided a duplicate Final CD XXX signed by both on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409036991 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Due to missing CD acknowledged by borrowers at closing on XXX (only CD XXX not signed and PCD XXX e-signed on XXX in file), method of shipping defaulted to mailing rule. Condition is pending receiving final CD acknowledged by borrowers at closing. | 02/03/2026 Client provided a duplicate Final CD XXX signed by both on XXX with Disbursement date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409036991 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide CDA. CU Score over XXX | 2.2.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409036992 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409036998 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, both borrowers over XXX in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, XXX<br>| Client Complete |
| 409036998 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% Tolerance in the amount of $XXX as Recording Fees increased on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 02/03/2026 Client provided PCCD XXX with cure, COC for LOE, request for PR payment and detailed payment history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, both borrowers over XXX in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, XXX<br>| Client Complete |
| 409037006 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed. No evidence of E consent for NBS. Missing E consent for NBS. | 01/29/26 Client provided the E-Consent for the Borrower only (XXX). Condition remains for the E-Consent for the Non-borrowing title holder (XXX).02/02/2026 Client provided a Docu-sign Certificate of Completion for Initial CD XXX reflecting e-consent and receipt for both on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified assets is sufficient to cover required reserves $XXX.<br>| Client Complete |
| 409037026 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX with current employer and XXX in line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>| Client Complete |
| 409037113 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at their primary residence for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX.<br>| Client Complete |
| 409037114 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>| Client Complete |
| 409037133 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXXPITIA Guidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>| Client Complete |
| 409037149 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX reported 0x30; XXX required.<br>| Client Complete |
| 409037155 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Per Title Commitment in file, loan originated with the different lender. Incorrect H9 ROR from was used for refinance with different lender instead of H8 ROR form. | 02/03/2026 Client provided re-opened Right to Cancel H8 forms with expiration Date XXX, sent via e-mail on XXXand email receipt from both. E-consent in original file page 218 and dated XXX. Condition remains for expiration midnight of XXX. XXX Rescission period has ended. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409037158 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | The file does not contain borrower's E-Consent documentation. | 02/03/2026 Client provided a copy of the Blend report reflecting Borrower's acceptance for e-delivery XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. 0x30 = XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX in profession / line of work<br>| Client Complete |
| 409037167 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>| Client Complete |
| 409037188 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE within XXX prior to Note date XXX to validate borrower employment. | 1.29.2026 Client provided VVOE dated XXX for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.49% LTV; max 90%.<br>| Client Complete |
| 409037188 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS required for XXX AUS Program; subject to further exceptions for income/employment requirements of AUS provided. | 1.29.2026 Client provided post close dated XXX DU Approval however please also provide the prior to closing DU approval for review of submission #5 post close DU. 2.4.2026 Client provided #5 DU dated XXX (Note date XXX), missing the closing DU (prior to closing) for review of the updated DU. Condition remains for prior to closing DU AUS for loan file. 2/5 Client provided DUAI #4 XXX supporing the loan and DUAI #5 PC XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; $XXX\*9= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.49% LTV; max 90%.<br>| Client Complete |
| 409037192 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of hazard insurance for the subject property. | 2.3.2026 Client provided HOI policy for: XXX however subject address is not XXX Condition remains for missing subject HOI policy 2/5 Client provided insurance for subject | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409037200 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>| Client Complete |
| 409037200 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Lender's App Date is XXX; earliest LE in file was issued on XXX; missing initial LE provided to borrower within XXX of the app date | 02/02/26 Client provided the missing XXX LE and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>| Client Complete |
| 409037203 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>| Client Complete |
| 409037207 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>| Client Complete |
| 409037212 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds program minimum 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>| Client Complete |
| 409037215 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower had XXX at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>| Client Complete |
| 409037217 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | 1/26 Client provided a lock changing the program to XXX 30 Y; AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves XXX or XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409037222 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Obtain a XXX pre-closing verification (XXX PCV) for B2's XXX Coemployment income dated no more than XXX prior to the note date. | 1.21.2026 Client provided additional most recent paystub dated XXX for B2, in lieu of a VVOE (Note date XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 have been on current job for XXX<br>| Client Complete |
| 409037252 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in amount of $XXX due to added 2nd Appraisal fee on initial CD XXX (fee decreased on final CD XXX) with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/29/26 Client provided the following response: CDA dated XXX came in outside of tolerance, COC then indicates 2nd appraisal required. Upon review in file, CDA completed on XXX as High Risk/Additional Review Recommended with variance of XXX%. COC and CD issued XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline requirement of XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 have been in the same line of work for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>| Client Complete |
| 409037252 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves $XXX; however, missing sufficient reserves to support subject PITIA $XXX x9=$XXX plus additional XXX reserves for 7 financed properties each for $XXX. Total reserves required: $XXX. | 1.28.2026 Client provided updated assets w/XXX #XXX dated XXXX with additional assets of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline requirement of XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 have been in the same line of work for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>| Client Complete |
| 409037257 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed. No evidence of E consent for NBS. missing E consent for NBS. | 1/26/2026 Client provided e-consent for Non-Borrower dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment for XXX<br>| Client Complete |
| 409037257 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Terms/Guidelines | Waived<br> B | CRDTER110 | Loan amount exceeds guideline maximum | No | Max loan amount $XXX, subject loan amount is $XXX | Client provided approved exception for loan amount. | Upon further review by XXX exception is deemed non material. Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment for XXX<br>| Client Complete |
| 409037259 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9= $XXX reserves required.<br>| Client Complete |
| 409037266 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>| Client Complete |
| 409037290 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets exceed required amount.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX in profession / line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>| Client Complete |
| 409037291 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 24 required, B1 has XXX<br>| Client Complete |
| 409037296 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/27/2026 Client provided an exception approval for using incorrect ROR form | 1/27/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > XXX.<br>| Client Complete |
| 409037303 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers. Missing a prior e-consent in file. | 01/28/26 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 680 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409037303 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3490 | Missing Patriot Act form | No | Provide third party executed XXX forms for both Borrowers. May be subject to additional conditions upon review. | 1.28.2026 Client provided executed XXX for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 680 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409037307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409037337 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement 49.99%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > XXX years at current job<br>| Client Complete |
| 409037342 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of XXX (include XXX for REO).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>| Client Complete |
| 409037343 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>| Client Complete |
| 409037345 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same profession for XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum requirement of XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 have been on current job for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>| Client Complete |
| 409037347 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject is a Cash Out Refi.Subject Note date XXXDoes not meet the following on DU findings: 'Additionally, when proceeds from a cash-out refinance transaction are used to pay off an existing first lien mortgage, the firstlien mortgage being refinanced must be seasoned for at least XXX.' | 1/21 Client provided lock changing to XXX 30 y; file meets CO GLs | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below guideline max of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is below guideline max of XXX%.<br>| Client Complete |
| 409037627 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>| Client Complete |
| 409037629 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD.Seller CD provided all fees confirmed. Exception Satisfied | (No Data) | Satisfied to 1/A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409037633 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and XXX 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score XXX; Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>| Client Complete |
| 409037636 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409037640 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>| Client Complete |
| 409037651 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application date is XXX. HOCL in file is dated XXX. HOCL was not provided to borrower within XXX of application | 1/30/26 Client provided an approved exception for HOCL not provided timely. 02/04/26 Client provided the Initial Disclosures tracking that confirms delivery on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9 + REO XXX\*3= $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409037651 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date is XXX. Earliest LE in file is dated XXX. Missing initial LE provided to borrowers within XXX of application date. | 02/04/26 Client provided the missing XXX Initial LE with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX\*9 + REO XXX\*3= $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX 0x30 mortgage payment history; 0x30x24 required.<br>| Client Complete |
| 409037652 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing, no AFBA form on file and the Lender's affiliate status is not included on the Affiliated Lender List. | 01/29/26 Client provided a Sharing Agreement related to utilities setup services. Condition remains. Provide the Lender's Affiliate Business Disclosure OR a signed attestation that they do not have any affiliates.02/02/26 Client provided an Email from the Lender stating the Sharing Agreement is their ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% is below guideline maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXXin verified assets is sufficient to cover required reserves SXXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 660<br>| Client Complete |
| 409037652 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, exception can be satisfied. Seller fees have been sourced on the Seller CD. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% is below guideline maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXXin verified assets is sufficient to cover required reserves SXXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 660<br>| Client Complete |
| 409037652 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | A<br> B | B | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3262 | Property issues indicated | No | Property type needs clarified and any applicable HOA dues information needed. Purchase contract and mortgage rider indicate subject property is in PUD. 1008 Loan transmittal states monthly HOA $XXX. Appraisal indicates not in PUD with no hoa dues listed. | 1/29 Client provided a revised appraisal indicating PUD with HOA of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% is below guideline maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXXin verified assets is sufficient to cover required reserves SXXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds program minimum 660<br>| Client Complete |
| 409037678 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Missing evidence to verify $XXX in liquidated funds required to close from borrower's retirement account. | 1.28.2026 Client provided copy of cashiers check for funds to close from borrower in the amount of $XXX however no liquid assets were verified in file, only 401k verified in file. Condition remains to support liquid funds to close of $XXX 1.31.2026 Client provided XXX #XXX XXX statement supporting liquid funds to close | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min 660.<br>| Client Complete |
| 409037705 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>| Client Complete |
| 409037707 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 1/28/26 Client provided an approved exception for using incorrect ROR form | 1/28/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of XXX<br>| Client Complete |
| 409037707 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide a copy of the ATR/QM worksheet | 1/29 Client provided a QM determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves XXX exceed guideline requirement of XXX<br>| Client Complete |
| 409037708 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX Percent tolerance in amount of $XXX due to Recording Fees increase from $XXX to $XXX on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 02/02/26 Client provided an LOE and PCCD belonging to a different loan/borrower. Condition remains. Recording Fee increased on LE XXX with no valid reasons on the XXX COC. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.02/02/26 Client provided an Email LOE from Lender with another COC reflecting on XXX fee increased due to recording of quit claim deed (removing person from title). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409037708 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for XXX within XXX prior to note date | 1.30.2026 Client provided 3rd party SOS for XXX business dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409037710 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is XXX, earliest LE in file is dated XXX. Missing initial LE provided to the borrowers within XXX of application. | 02/06/2026 Client provided the missing Initial LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409037752 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037764 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037766 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | : This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% qualifying DTI<br>| Client Complete |
| 409037768 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for borrower 1; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 02/04/26 Client provided the XXX Sign Electronic Evidence Summary reflecting all E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score XXX exceeds guide lines.<br>| Client Complete |
| 409037770 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9. | 1/21/26 Client provided an approved exception for using incorrect ROR form. | 1/21/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409037770 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures, including LE XXX, were emailed to borrowers however earliest tracking / e-consent found in file is dated XXX | 01/26/2026 Client provided Receipt for LE XXX e-signed XXX & XXX, with Disclosure tracking that does not provide the e-consent information. Condition remains. Provide prior accepted consent for both or evidence of LE sent via alternate method and subject to re-review. 01/29/2026 Client provided accepted consent dated XXX for Borrower and XXX for Co-Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>| Client Complete |
| 409037776 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR2442 | Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) | No | Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a correct version H9 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and proof of delivery with tracking information. | 01/23/26 Client provided 2 copies each of the corrected H-9 ROR forms, LOE and shipping label. Tracking confirms delivery on XXX and new rescission period Expires midnight on XXX Condition remains for the new rescission period to expire.01/28/26 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of 49.99.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer for XXX years, B2 for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>| Client Complete |
| 409037790 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points $XXX, decreased Lender's credit of $XXX and Appraisal Recert. fee $XXX on final CD XXX with no valid COC/Rate Lock extension in file. File contains only initial CD XXX and final CD XXX. Per XXX doc, several revised CDs were issued but are missing for testing. Provide CD XXX, CD XXX, CD XXX with applicable COCs/ Rate Lock extensions. Additional conditions may apply. | 01/23/26 Client provided the XXX CD (with XXX COC), XXX CD and XXX CD (with XXX COC). Condition remains. For further testing, provide the missing change documentation for the XXX CD. Subject to re-testing. Additional conditions may apply.01/29/2026 Client provided COC XXX reflecting extension and changes to Points and Lender Credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>| Client Complete |
| 409037926 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>| Client Complete |
| 409037944 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | The Mortgage and Exhibit A reflects the County as XXX. The Appraisal reflects the County as XXX. Title Commitment reflects XXX as the County. Flood Cert and Sales Contract reflects XXX as the County. | 01/30/26 Client provided an Email explanation from the Title Co. stating the property is located inXXX, but it is recorded in XXX County (the City of XXX is an independent city, however it does not have its own Circuit Court. In VA, all documents must be recorded in a Circuit Court. Documents for properties located in the City of XXX are recorded in the land records of the Circuit Court of XXX County). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>| Client Complete |
| 409037944 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>| Client Complete |
| 409037945 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing VOE and missing income docs. | 1.23.2026 Client provided LOX stating see attached cash flow analysis that reflect considering the other income of $XXX which is typically subtracted from business income. Response, with review of the cash flow analysis it is not considering this other income in the income calculation, if considered income would be a loss of about $XXX vs positive of $XXX; initial condition remains, income currently used for qualifying is not supported due to other income from line 5 was excluded from the income calculation, even though reflected on Lender cash flow worksheet, it was not considered in the calculation. 1/29 Client provided an approved exception | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037945 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originates with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 1/20/26 Client provided an approved exception for using incorrect ROR form | 1/20/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037945 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Provide third party VOE for 1120s XXX meeting XXX VOE requirements.May be subject to additional conditions upon review. | 1.23.2026 Client provided 3rd party SOS for XXX however is undated. Condition remains for post close dated 3rd party SOS for XXX. 1/28 Client provide XXX VVOE with License and source print out | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037945 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender excluded line 5 other income, from page 1 from 2024 1120s XXX. If included, XXX exclusion of below. Subject to income recalc and may be subject to additional conditions upon review."Statement 1 - Form 1120-S, Page 1, Line 5 - Other Income (Loss)Description AmountOTHER INCOME $ XXXXXX XXXTOTAL $ XXX" | 1.23.2026 Client provided LOX stating see attached cash flow analysis that reflect considering the other income of $XXX which is typically subtracted from business income. Response, with review of the cash flow analysis it is not considering this other income in the income calculation, if considered income would be a loss of about XXX vs positive of $XXX; initial condition remains, income currently used for qualifying is not supported due to other income from line 5 was excluded from the income calculation, even though reflected on Lender cash flow worksheet, it was not considered in the calculation. 1/28 Client provided Email that other income was considered by AUS income calculator and included; Upon review XXX GLS cited require a XXX similar earnings history documented of similar earnings history documented in the file, only year is documented ; Condition remains 1/29 Client provided an approved exception to allow the file without the XXX earnings history | Upon review by Clayton XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037945 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | CBR is dated XXX.Per guidelines, provide below for the following inquiry. May be subject to additional conditions upon review.Inquiry: XXX XXXGuidelines:'Credit Inquiries: If the credit report indicates inquiries within the most recent XXX of the credit report, the seller must confirm the borrower did not obtain additional credit that is not reflected in the credit report or mortgage application. In these instances, the borrower must explain the reason for the credit inquiry. If additional credit was obtained, a verification of that debt must be provided, and the borrower must be qualified with the monthly payment. Confirmation of no new debt may be in the form of a new credit report, pre-close credit report or gap credit report.' | 1.23.2026 Client provided copy of credit comparison refresh credit dated XXX reflecting no new credit | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>| Client Complete |
| 409037965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the revised CD XXX with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply.XXX UPDATE: File contains 2 CDs Issued on XXX. CD XXX (Initial CD) is not signed / no confirmation of receipt in file. This CD has a print time of 10:39am PST. Provide the confirmation of receipt by all title holders for the Initial XXXCD. | 01/22/26 Client provided an LOE from Lender with supporting disclosure tracking screenshot. CD dated XXX at 10:39am was only used internally and never sent to borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >XXX years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements 90.00%.<br>| Client Complete |
| 409037965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance $XXX due to increase in Lock extension on CD XXX without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 01/22/26 Client provided another XXX COC reflecting the Extension Fee increase due to the borrower request to increase the loan amount (% of fee remained the same XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >XXX years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements 90.00%.<br>| Client Complete |
| 409037965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value (CU 2.6). | 1.20.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >XXX years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements 90.00%.<br>| Client Complete |
| 409037977 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>| Client Complete |
| 409037984 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing vesting schedule for grant received in prior years with stock vested during XXX to calculation QI . | 2.3.2026 Client provided XXX transaction history Equity award center however no identity of Borrower name, condition remains 2.5.2026 Client provided copy of XXX transaction summary and with review of income documents in file, monthly XXX income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets exceed required amount.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 720 for XXX<br>| Client Complete |
| 409038068 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment for borrower within no more than 10 days prior to the note date. | 1.20.2026 Client provided VVOE dated XXX for both borrowers, within 10 business days of Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409038068 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing desk review supporting original appraised value of $XXX. | 2.4.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>| Client Complete |
| 409038147 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409038147 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide 3rd party VOE for XXX dated within XXX prior to the Note date. The 3rd party in file is not dated | 1.28.2026 Client provided 3rd party SOS dated XXX for XXX (post close dated) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>| Client Complete |
| 409038295 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form | 2/4/26 Client provided an approved exception for using incorrect ROR form | 2/4/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%<br>| Client Complete |
| 409038476 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | 1.29.2026 Client provided DU AUS #16 dated XXX however #4 Potential Red Flags reflect one of the credit repositories being frozen. Condition remains for updated DU including all three credit bureaus. 1.30.2026 Client provided DU AUS #17 with correction including all three credit bureaus | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX at current employment and XXX in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409038498 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX is below XXX% allowable by gl<br>| Client Complete |
| 409038501 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>| Client Complete |
| 409038508 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | 2/2 Client provided Determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>| Client Complete |
| 409038509 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Provide missing e-consent. | 02/05/2026 Client provided a XXX dated XXX reflecting accepted consent for e-delivery dated XXX for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Provide missing e-consent. | 02/05/2026 Client provided a XXX dated XXX reflecting accepted consent for e-delivery dated XXX for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Provide borrower asset statement to support wire transfer for funds to close $XXX | 2.4.2026 Client provided copy of XXX XXX statement where funds to close wire came from, sale of stocks. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing asset statements to support wire for funds to close in the amount of $XXX located in the file | 2.4.2026 Client provided copy of XXX XXX statement where funds to close wire came from, sale of stocks. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038545 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient assets to cover required reserves: Subject: $XXX x 12 + REOs: $XXX x 3; $XXX x 3; $XXX x 3=$XXX required reserves. | 2.4.2026 Client provided copy of XXX XXX statement where funds to close wire came from, sale of stocks. XXX assets have been added and verified reserves are $XXX or XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same profession for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX CREDIT SCORE EXCEED GUIDELINE MINIMUM OF 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI Is below guideline maximum of XXX%<br>| Client Complete |
| 409038548 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower have been on current job for XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>| Client Complete |
| 409038560 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | B | B<br> A | B | B | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR from was used for refinance with the same lender instead of H9 ROR form. | 2/2/26 Client provided an approved exception for using incorrect ROR form | 2/2/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>| Client Complete |
| 409038561 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job<br>| Client Complete |
| 409038566 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ReservesXXX or XXX PITI. XXX required<br>| Client Complete |
| 409038590 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject.Additional REO is lien free.<br>| Client Complete |
| 409039009 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>| Client Complete |
| 409039133 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. ALTA in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower XXX at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409039133 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE or employment offer letter for B1 | 1.23.2026 Client provided executed copy of Employment Offer Letter for B1 verifying compensation used for qualifying and verifying employment set to start XXX (1st payment XXX), successfully passed the employment verification and background check that was outlined in offer letter. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower XXX at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409039133 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing employment offer letter for B1 | 1.23.2026 Client provided executed copy of Employment Offer Letter for B1 verifying compensation used for qualifying and verifying employment set to start XXX (1st payment XXX), successfully passed the employment verification and background check that was outlined in offer letter. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower XXX at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>| Client Complete |
| 409039162 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX with current employer, B2 has XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>| Client Complete |
| 409039165 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; 660 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>| Client Complete |
| 409039654 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Transfer Taxes increased on CD XXX without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 02/04/2026 Client provided COC XXX reflecting Loan Amount change supported by the CD XXX with increased Loan amount tying Tax increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>| Client Complete |
| 409039654 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | C | A<br> D | C | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing updated AUS with loan amount of $XXX (XXX% LTV) LP submission #4 in file loan amount and LTV differ | 2/5 Client provided DUAI #5 XXX with corrected loan amount matching terms | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>| Client Complete |
| 409039656 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (B1 bonus) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, XXX<br>| Client Complete |
| 409039656 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Currently short funds to close due to missing evidence of additional EMD clearing, totaling $XXXthese are the missing EMD evidence of clearing ($XXX \* $XXX \* $XXX) and are dated Year XXX, provide missing XXX bank statement verifying these additional EMD totaling $XXX have cleared, currently these are not considered as EMD credit | 2.3.2026 Client provided evidence other EMD of $XXX have been cleared on XXX statement which is now paid off on CD from sale of home; sufficient funds met with giving additional EMD of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (B1 bonus) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, XXX<br>| Client Complete |
| 409039656 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Currently short funds to close due to missing evidence of additional EMD clearing totaling $XXXthese are the missing EMD evidence of clearing ($XXX \* $XXX \* $XXX), provide missing bank statement verifying these additional EMD totaling $XXX have cleared, currently these are not considered as EMD credit | 2.3.2026 Client provided evidence other EMD of $XXX have been cleared on XXX statement which is now paid off on CD from sale of home; sufficient funds met with giving additional EMD of $XXX and verified reserves are $XXX or XXX however required reserves is XXX due to loan amount > $XXX (2nd Home) Note: two additional EMD ($XXX and $XXX) not verified as clearing, only received evidence of $XXX and have been added back. 2/4 Client provided an approved exception to allow the file with XXX reserves verified and XXX required | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (B1 bonus) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, XXX<br>| Client Complete |
| 409039657 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>| Client Complete |
| 409039658 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>| Client Complete |
| 409039659 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>| Client Complete |
| 409039662 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required by the guidelines for XXX XXX AUS XXX | 2/3 Client provided an Email changing the product to XXX XXX; AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score XXX; Overlay allows 661<br>| Client Complete |
| 409039663 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ($XXX X 3 = $ XXX)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>| Client Complete |
| 409039665 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX.<br>| Client Complete |
| 409039667 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 > XXX<br>| Client Complete |

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| | |
|:---|:---|
| **Client Name:** | **Redwood Trust** |
| **Client Project Name:** | **SEMT 2026 CD@** |
| **Start - End Dates:** |  |
| **Deal Loan Count:** | **346** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *346* |
| ***Loans with Conditions:*** | *246* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 409017452 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409021212 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409021872 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409023782 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409023840 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409023957 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Not Applicable |
| 409023959 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Yes |
| 409024251 | XXXXXX | XXXXXX<br> D<br> B<br> A | B | B<br> D<br> A | B | B | No |
| 409024815 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409025150 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025650 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409025652 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025723 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409026210 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409026223 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | No |
| 409026277 | XXXXXX | XXXXXX<br> D<br> A<br> B | D | A<br> D<br> B | D | A | No |
| 409026283 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409026343 | XXXXXX | XXXXXX<br> D<br> A<br> C | D | A<br> D<br> C | D | A | No |
| 409026362 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409026568 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409026610 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409026652 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409026659 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409027015 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409027039 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409027045 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Not Applicable |
| 409028859 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Not Applicable |
| 409028991 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 409029106 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409029201 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409029335 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409029781 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409030507 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Yes |
| 409030511 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409030542 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409030564 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409030584 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409030619 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | No |
| 409030627 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409030633 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409030646 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409030878 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409030991 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409031070 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409031082 | XXXXXX | XXXXXX<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Not Applicable |
| 409031096 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409031116 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409031123 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031153 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409031161 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409031184 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409031185 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409031230 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031240 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409031256 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409031265 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409031266 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Not Applicable |
| 409031271 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409031278 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409031446 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031449 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409031534 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409031539 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409031544 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031550 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409031558 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409031581 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409031590 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031595 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409031616 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409031639 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031642 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409031647 | XXXXXX | XXXXXX<br> D<br> B<br> A | B | B<br> D<br> A | B | B | No |
| 409031657 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409031672 | XXXXXX | XXXXXX<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Yes |
| 409031694 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409031702 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409031705 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031718 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409031821 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | B<br> D<br> A | C | B | No |
| 409031826 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031827 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409031829 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031837 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409031845 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409032134 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032140 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409032143 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032145 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Not Applicable |
| 409032161 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032166 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409032175 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409032229 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032230 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032260 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409032262 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409032381 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032384 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032385 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409032388 | XXXXXX | XXXXXX<br> C<br> A<br> B | C | A<br> C<br> B | C | A | No |
| 409032396 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409032420 | XXXXXX | XXXXXX<br> D<br> A<br> B | A | A<br> D<br> B | A | A | Not Applicable |
| 409032491 | XXXXXX | XXXXXX<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Not Applicable |
| 409032555 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409032561 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409032568 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409032571 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409032574 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032585 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Not Applicable |
| 409032600 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409032605 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409032614 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Yes |
| 409032626 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409032634 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032735 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032743 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409032749 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409032760 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | No |
| 409032763 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032768 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032773 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409032779 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409032780 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032782 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409032929 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032930 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032931 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032933 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032943 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409032944 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032945 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032962 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | No |
| 409032974 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409032977 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409032983 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033000 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | Not Applicable |
| 409033001 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033012 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409033187 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409033237 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033244 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409033245 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | C | B<br> D<br> C<br> A | C | B | Not Applicable |
| 409033268 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033279 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409033284 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | C | B<br> D<br> A<br> C | C | B | No |
| 409033287 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409033298 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409033299 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033300 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033316 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409033320 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033327 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409033331 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409033345 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409033355 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | No |
| 409033359 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409033383 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409033384 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | No |
| 409033385 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409033387 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033392 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409033410 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409033413 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409033450 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033460 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033470 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033475 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409033485 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409033495 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409033507 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409033769 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033770 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409033775 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033776 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | No |
| 409033777 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409033787 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409033796 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033798 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033799 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033812 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033874 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033877 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033878 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409033879 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033880 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409033882 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033883 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033886 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033892 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033898 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Not Applicable |
| 409033900 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033912 | XXXXXX | XXXXXX<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Not Applicable |
| 409033985 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409033996 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033998 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409034001 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034005 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409034007 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034015 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | Not Applicable |
| 409034030 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034033 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034038 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409034045 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | No |
| 409034046 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409034055 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034059 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034060 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Not Applicable |
| 409034067 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409034071 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034079 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034097 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409034100 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409034125 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409034149 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409034159 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034162 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409034170 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409034174 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034191 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409034241 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409034259 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409034266 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409034272 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034274 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | A<br> C<br> B | B | A | No |
| 409034277 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034292 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409034297 | XXXXXX | XXXXXX<br> D<br> B<br> A | B | B<br> D<br> A | B | B | Not Applicable |
| 409034304 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034308 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 409034325 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409034326 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409034329 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Not Applicable |
| 409034342 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034366 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409034375 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409034970 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409035104 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409035110 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035371 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035373 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409035388 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409035391 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035397 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409035400 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035404 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409035409 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409035412 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409035413 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035418 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035561 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409035563 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409035611 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | Not Applicable |
| 409035612 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409035614 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409035644 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | No |
| 409036693 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409036979 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409036981 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409036982 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409036991 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | No |
| 409036992 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409036998 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409037006 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409037026 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037113 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037114 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037133 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037149 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037155 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409037158 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409037167 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037188 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409037192 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409037200 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409037203 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037207 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037212 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037215 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037217 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409037222 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409037252 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409037257 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | No |
| 409037259 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037266 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037290 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037291 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037296 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409037303 | XXXXXX | XXXXXX<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Not Applicable |
| 409037307 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037337 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037342 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037343 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037345 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037347 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409037627 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037629 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037633 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037636 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037640 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037651 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409037652 | XXXXXX | XXXXXX<br> B<br> A | B | A<br> B | B | A | No |
| 409037678 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409037705 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037707 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Not Applicable |
| 409037708 | XXXXXX | XXXXXX<br> C<br> A<br> B | C | A<br> C<br> B | C | A | Not Applicable |
| 409037710 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409037752 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037764 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037766 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037768 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409037770 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 409037776 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409037790 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409037926 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409037944 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409037945 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | D | B<br> D<br> C<br> A | D | B | No |
| 409037965 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Not Applicable |
| 409037977 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409037984 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409038068 | XXXXXX | XXXXXX<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Not Applicable |
| 409038147 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409038295 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409038476 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409038498 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409038501 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409038508 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409038509 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409038545 | XXXXXX | XXXXXX<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Not Applicable |
| 409038548 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409038560 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 409038561 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409038566 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409038590 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409039009 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409039133 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409039162 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409039165 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409039654 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Not Applicable |
| 409039656 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409039657 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409039658 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409039659 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409039662 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Yes |
| 409039663 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409039665 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409039667 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |
| **Client Project Name:** | **Redwood Trust-Flow_V2** |  |  |  |
| **Deal Loan Count:** | **346** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 4 |
| Credit | Credit/Mtg History | CRDCRMH118 | Mortgage/rental lates exceed guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | DTI | CRDDTI106 | Debt Ratio Exception XXX and XXX | 1 |
| Credit | Income/Employment | CRDINC126 | Length of employment/self-employment does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2157 | Missing Signed 4506 in file | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 3 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 3 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 2 |
| Credit | Application | CRDAPP1813 | Undisclosed non-arm's length transaction | 1 |
| Credit | Assets | CRDAST205 | Insufficient Funds to Close | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 2 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR4789 | Appraisal Deficiency | 1 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | 2 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - XXX Form Used in Refinance With Original Creditor | 21 |
| Compliance | Right of Rescission | CMPROR5360 | ROR - Waiver used to fund loan prior to the end of the rescission period | 1 |
| **Total** |  |  |  | **52** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in September 2025 through October 2025 on mortgage loans with origination dates in September 2025 through October 2025 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 22 mortgage loans totaling an aggregate original principal balance of approximately $26.119 million.

(3) Determination of the sample size and computation.

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Coborrower SSN | Original Loan Amount |
| Amortization Term | Contract Sales Price | Original LTV |
| Amortization Type | Decision System | Original Term |
| Borrower First Name | Has FTHB | PMI Coverage % |
| Borrower FTHB | Investor: Qualifying Total Debt Ratio | Property Type |
| Borrower Last Name | Lien Position | Purpose |
| Borrower Qualifying FICO | LTV Valuation Value | Refi Purpose |
| Borrower SSN | Mortgage Type | Representative FICO |
| City | Note Date | State |
| Coborrower First Name | Occupancy | Street |
| Coborrower Last Name | Original CLTV | Zip |
| Coborrower Qualifying FICO | Original Interest Rate |  |

---

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

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

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

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

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

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the 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, (vi) IRS tax transcripts, and (vii) Bank Statements.

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

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

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

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

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

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

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are

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items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

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

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

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

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

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

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

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

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

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

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

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

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> 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

<br> 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.

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

<br> i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

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

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

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

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<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

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

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

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

<br> h) <u>Homeownership counseling (§1026.36):</u>

<br> 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.

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

<br> 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.

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

<br> 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

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

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

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

<br> i) confirm the presence of the current GFE form in effect at the time of origination;

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

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

<br> 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

<br> v) confirm the presence of a settlement service provider list, as applicable.

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

<br> i) confirm current applicable HUD form was provided;

<br> 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

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

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

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

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<br> 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

<br> 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.

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

<br> 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;

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

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

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

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

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

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

<br> 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):

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

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

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

<br> 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;

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

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

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

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

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

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

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

<br> 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

<br> 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

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

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

<br> 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:

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

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<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this<br>

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Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

#### SUMMARY OF FINDINGS AND CONCLUSIONS
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed on the Form ABS Due Diligence-15E.

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

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| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 22 | 22 | 15 | 22 | 15 |
| B | 0 | 0 | 7 | 0 | 7 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **22** | **22** | **22** | **22** | **22** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 100.00% | 68.18% | 100.00% | 68.18% |
| B | B | 0.00% | 31.82% | 0.00% | 31.82% |
| C | C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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#### EXCEPTION CATEGORY SUMMARY
The table below summarizes the individual exceptions which carried an associated "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").

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| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 4 |
| Compliance | B | TRID Defect | 4 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
| Compliance | B | TRID | 1 |
| Compliance | B | TILA | 1 |

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| RESPA | 1 |
| ATR/QM Defect | 1 |
| ***Total Compliance Grade (B) Exceptions:*** | ***13*** |
| **Total Compliance Exceptions:** | **13** |
| **Total Credit Exceptions:** | **0** |
| **Total Property Exceptions:** | **0** |
| **Grand Total:** | **13** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 22 mortgage loans reviewed, there were 28 different tape discrepancies across 12 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio, LTV Valuation Value and Refi Purpose.

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 12 | 0.00% | 22 |
| Amortization Term | 0 | 14 | 0.00% | 22 |
| Amortization Type | 0 | 22 | 0.00% | 22 |
| Borrower First Name | 0 | 12 | 0.00% | 22 |
| Borrower FTHB | 0 | 4 | 0.00% | 22 |
| Borrower Last Name | 0 | 12 | 0.00% | 22 |
| Borrower Qualifying FICO | 0 | 10 | 0.00% | 22 |
| Borrower SSN | 0 | 8 | 0.00% | 22 |
| City | 0 | 12 | 0.00% | 22 |
| Coborrower First Name | 0 | 3 | 0.00% | 22 |
| Coborrower Last Name | 0 | 3 | 0.00% | 22 |
| Coborrower Qualifying FICO | 0 | 6 | 0.00% | 22 |
| Coborrower SSN | 0 | 3 | 0.00% | 22 |
| Contract Sales Price | 0 | 5 | 0.00% | 22 |
| Decision System | 0 | 4 | 0.00% | 22 |
| Has FTHB | 1 | 8 | 12.50% | 22 |
| Investor: Qualifying Total Debt Ratio | 7 | 22 | 31.82% | 22 |
| Lien Position | 0 | 12 | 0.00% | 22 |
| LTV Valuation Value | 5 | 8 | 62.50% | 22 |
| Mortgage Type | 2 | 8 | 25.00% | 22 |
| Note Date | 2 | 4 | 50.00% | 22 |
| Occupancy | 0 | 22 | 0.00% | 22 |
| Original CLTV | 1 | 22 | 4.55% | 22 |
| Original Interest Rate | 0 | 12 | 0.00% | 22 |
| Original Loan Amount | 0 | 12 | 0.00% | 22 |
| Original LTV | 1 | 22 | 4.55% | 22 |
| Original Term | 0 | 8 | 0.00% | 22 |
| PMI Coverage % | 2 | 2 | 100.00% | 22 |
| Property Type | 2 | 22 | 9.09% | 22 |

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| Purpose | 0 | 22 | 0.00% | 22 |
| Refi Purpose | 3 | 10 | 30.00% | 22 |
| Representative FICO | 1 | 12 | 8.33% | 22 |
| State | 0 | 12 | 0.00% | 22 |
| Street | 0 | 12 | 0.00% | 22 |
| Zip | 1 | 22 | 4.55% | 22 |
| **Total** | **28** | **404** | **6.93%** | **22** |

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#### ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY
(some totals may not add due to rounding)

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|:---|:---|:---|:---|:---|
| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 22 | 100.00% | $26119140.00 | 100.00% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 22 | 100.00% | $26119140.00 | 100.00% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 1 | 4.55% | $856000.00 | 3.28% |
| Limited Cash-Out | 1 | 4.55% | $978000.00 | 3.74% |
| First Time Home Purchase | 3 | 13.64% | $3132000.00 | 11.99% |
| Other-than-first-time Home Purchase | 9 | 40.91% | $8971100.00 | 34.35% |
| Rate/Term Refinance - Borrower Initiated | 8 | 36.36% | $12182040.00 | 46.64% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 22 | 100.00% | $26119140.00 | 100.00% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 14 | 63.64% | $15874380.00 | 60.78% |
| PUD | 8 | 36.36% | $10244760.00 | 39.22% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 20 | 90.91% | $23756880.00 | 90.96% |
| Second Home | 2 | 9.09% | $2362260.00 | 9.04% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |

---

13 \| P a g e

------

![](logo_amc.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 5 | 22.73% | $7769000.00 | 29.74% |
| Retail | 17 | 77.27% | $18350140.00 | 70.26% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 22 | 100.00% | $26119140.00 | 100.00% |
| **Total** | **22** | **100.00%** | **$26119140.00** | **100.00%** |

---

## Exhibit 99.9

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 2/13/2026 12:11:41 PM

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 3194756 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000093621 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000091912 | XXXX |  |  | C | B | A | C | A | B | A | B |  |
| XXXX | 4000088264 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000094409 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 4000092773 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000094735 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 4000094088 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000094366 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 264006 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 1250803638 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 25080010642 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3564279365 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3566054226 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3566591303 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3568094089 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 3570131002 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
| XXXX | 3570738169 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3569477630 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569818309 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3570205178 | XXXX |  |  | C | B | A | C | A | A | A | A |  |
| XXXX | 3570382778 | XXXX |  |  | A | A | A | A | A | A | A | A |  |

---

------

![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 2/13/2026 12:11:41 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 3194756 | XXXX |  | 35797238 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted] Calculated Amount Financed of $[redacted] Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-29): [redacted] received additional information on purpose of fee<br>Buyer Comment (2025-09-26): Per Lender: "this is not a mobile notary fee. [redacted] is a [redacted] party that assist the borrower with choosing title providers. [redacted] ([redacted]) has been appointed by [redacted] (the relocation Company) to assist with their destination move. An invoice from [redacted] services is sent to [redacted] to be charged to the buyer on the settlement statement/CD for their destination assistance. [redacted] is a [redacted] party entity that the client uses to assist with choosing title providers. It's not an APR fee."<br>Reviewer Comment (2025-09-26): While a notary fee itself (for notarial action) paid to a [redacted] party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-[redacted] below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is [redacted] used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a [redacted] party may be excluded from finance charge under 1026.4(c)(7) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-25): Per Lender: ":we do not have a $[redacted] signing fee. We do have a mobility fee which is not part of the APR fee as it is a [redacted] party"<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3194756 | XXXX |  | 35797237 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed is $[redacted] Calculated Amount Financed is $[redacted] Variance of $[redacted] |  |  |  | Reviewer Comment (2025-09-29): [redacted] received additional information on purpose of fee<br>Buyer Comment (2025-09-26): Per Lender: "this is not a mobile notary fee. [redacted] is a[redacted] party that assist the borrower with choosing title providers. [redacted] ([redacted]) has been appointed by [redacted] (the relocation Company) to assist with their destination move. An invoice from [redacted] services is sent to [redacted] to be charged to the buyer on the settlement statement/CD for their destination assistance. [redacted] is a [redacted] party entity that the client uses to assist with choosing title providers. It's not an APR fee."<br>Reviewer Comment (2025-09-26): While a notary fee itself (for notarial action) paid to a [redacted] party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is [redacted] used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a [redacted] party may be excluded from finance charge under 1026.4(c)(7) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-25): Per Lender: ":we do not have a $[redacted] signing fee. We do have a mobility fee which is not part of the APR fee as it is a [redacted]rd party"<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000093621 | XXXX |  | 35797240 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-17): [redacted] received corrected PCCD and LOE<br>Seller Comment (2025-10-16): Comment from [redacted] ([redacted]): loe to borrower<br>Reviewer Comment (2025-10-15): [redacted] received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation.<br>Seller Comment (2025-10-14): Comment from [redacted] ([redacted]): updatedd pccd - Another LE was never sent with the endorsement change. The processor should have updated the fees, but did not. The CD went out with the correct endorsement amount.<br>We confirmed the correct endorsement is $[redacted]. The LE had $[redacted]. This is not an APR fee. There should not be a cure for the recording fee, the recording fee did not go up.<br>Please ask the investor how much they want cured.<br>Reviewer Comment (2025-10-08): [redacted]: Provided LOX indicates that the Lender's title insurance fee was updated to reflects $[redacted]and the $[redacted] Endorsement fee was removed. However, Final settlement statement in the loan file shows that the Lender's title insurance fee disclosed of $[redacted] and $[redacted] Alta [redacted] endorsement. Provide corrected PCCD with LOX to borrower with updated fees per Final settlement.<br>Seller Comment (2025-10-07): Comment from [redacted] ([redacted]): loe to borrower<br>Reviewer Comment (2025-10-07): [redacted] received corrected PCCD reconciled with the ALTA final [redacted] but LOE to borrower is missing on file. LOE required to accompanying CD.<br>Seller Comment (2025-10-06): Comment from [redacted] ([redacted]): pccd<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000091912 | XXXX |  | 35797241 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Evidence is Missing. |  |  |  | Reviewer Comment (2025-10-06): Received, cleared<br>Seller Comment (2025-10-06): Comment from [redacted] ([redacted]): Title Commitment<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000091912 | XXXX |  | 35797242 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. (Type:[redacted]/[redacted]) |  |  |  | Reviewer Comment (2025-10-03): Accepted as is.<br>|  |  | 10/03/2025 | 2<br> B |  | XXXX | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000091912 | XXXX |  | 35797243 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing<br>|  | 10/02/2025 |  | 1<br> A |  | XXXX | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000091912 | XXXX |  | 35797244 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance is missing for REO Property "[redacted]". |  |  |  | Reviewer Comment (2025-10-06): Received, cleared<br>Seller Comment (2025-10-06): Comment from [redacted] ([redacted]): Hazard [redacted]<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094409 | XXXX |  | 35797248 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  | 10/09/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094409 | XXXX |  | 35797249 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  | 10/09/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094409 | XXXX |  | 35797252 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] |  |  |  | Reviewer Comment (2025-10-28): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD. Prior loan construction loan<br>|  | 10/28/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094409 | XXXX |  | 35797253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page[redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] |  |  |  | Reviewer Comment (2025-10-28): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD. Prior<br>Buyer Comment (2025-10-27): Comment from [redacted] ([redacted]): There was no Rescission on this one, it was a refi for new construction paying off the interim loan<br>Reviewer Comment (2025-10-17): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Seller Comment (2025-10-16): Comment from [redacted]([redacted]): refund to borrower revised cd loe and proof of refund check<br>|  | 10/28/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000092773 | XXXX |  | 35797255 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Closing statement missing for sold property [redacted] |  |  |  | Reviewer Comment (2025-10-15): Received, cleared<br>Seller Comment (2025-10-15): Comment from [redacted] ([redacted]): ALTA Settlement Statement for Sale of REO<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094735 | XXXX |  | 35797257 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  | Reviewer Comment (2025-10-15): Accepted as is.<br>|  |  | 10/15/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094735 | XXXX |  | 35797260 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  | Reviewer Comment (2025-10-22): [redacted] received initial LE dated [redacted]<br>Seller Comment (2025-10-21): Comment from [redacted] ([redacted]): Initial LE with disclosure tracking<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094735 | XXXX |  | 35797259 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-22): [redacted] received earliest receipt of initial CD received prior to [redacted] business days from the date of consummation.<br>Seller Comment (2025-10-21): Comment from [redacted] ([redacted]): Initial CD with disclosure tracking<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094735 | XXXX |  | 35797258 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([redacted]) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-10-15): Accepted as is.<br>|  |  | 10/15/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094088 | XXXX |  | 35797261 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-10-24): Accepted as is.<br>|  |  | 10/24/2025 | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094366 | XXXX |  | 35797264 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-29): Accepted as is.<br>|  |  | 10/29/2025 | 2<br> B |  | XXXX | Primary | Refinance - Limited Cash-out GSE | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000094366 | XXXX |  | 35797267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing<br>|  | 10/29/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797281 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted] years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. |  |  |  | Reviewer Comment (2025-10-23): [redacted]received executed RTCs for all consumers.<br>|  | 10/23/2025 |  | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable).<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797280 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing<br>|  | 10/08/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797279 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing<br>|  | 10/08/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed is $[redacted] Calculated is $[redacted]. Variance of $[redacted] |  |  |  | Reviewer Comment (2025-10-19): [redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>|  | 10/19/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797278 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing<br>|  | 10/08/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797276 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted] and Calculated finance charge is $[redacted]. Variance of -$[redacted]. |  |  |  | Reviewer Comment (2025-10-19): [redacted] received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-10-17): LOE, PCCD, refund check, and shipping label<br>|  | 10/19/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797274 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Earlier receipt was not provided |  |  |  | Reviewer Comment (2025-10-13): [redacted] received email confirmation CD dated [redacted] received to consumer[redacted] business days prior to the consummation.<br>Buyer Comment (2025-10-10): Borrower receipt of CD<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797273 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Refinance transaction, prior lender was [redacted] and [redacted], and current Lender is [redacted]. Loan is not a same Lender-to-Lender refinance. The H-8 form should have been used. |  |  |  | Reviewer Comment (2025-10-23): RTC provided.<br>Buyer Comment (2025-10-21): NRTC<br>|  | 10/23/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797272 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] income qualified and 1040 for year [redacted] not available. Extension Form [redacted] is available. EV2 informational |  |  |  | Buyer Comment (2025-10-24): [redacted] in file<br>|  |  | 10/24/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 264006 | XXXX |  | 35797277 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing<br>|  | 10/08/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797291 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-17): Income docs cleared.<br>| 10/17/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797292 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. | Loan designation failure due to insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-17): Income docs cleared.<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797289 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. |  |  |  | Buyer Comment (2025-10-10): Acknowledged non material EV2<br>|  |  | 10/10/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797287 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | Missing income analysis. Credit related. |  |  |  | Reviewer Comment (2025-10-17): Per client not required<br>Reviewer Comment (2025-10-16): Exception cleared by Oversite<br>Buyer Comment (2025-10-15): per seller: This is a [redacted] express loan - the guides [redacted] express [redacted] does not require an income calculator or any other type of document showing how income was calculated. LPA findings do not require a calculator as well. Please let me know where it states a calculator is required.<br>Reviewer Comment (2025-10-13): Noted. As per guide, 1084 Or income calculation worksheet is required to confirm lender's approach for income qualification. Exception Remains.<br>Buyer Comment (2025-10-10): per seller: Borrowers are not self-employed, form 1084 is not required. Please explain why the form would be required.<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797285 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Provide updated policy reflecting minimum coverage of ($[redacted]) OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-13): Received Replacement cost estimator and associated the same accordingly. Exception Cleared.<br>Buyer Comment (2025-10-10): RCE for the HOI policy.<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797283 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing in file for both borrower. Compliance related |  |  |  | Reviewer Comment (2025-10-17): Not required per client<br>Reviewer Comment (2025-10-16): Exception cleared by Oversite<br>Reviewer Comment (2025-10-16): UW income worksheet not required for wage income calculation. exception cleared.<br>Buyer Comment (2025-10-15): per seller: This is a jumbo express loan - the guides jumbo express [redacted] does not require an income calculator or any other type of document showing how income was calculated. LPA findings do not require a calculator as well. Please let me know where it states a calculator is required.<br>Reviewer Comment (2025-10-13): Noted. As per guide, 1084 Or income calculation worksheet is required to confirm lender's approach for income qualification. Exception Remains.<br>Buyer Comment (2025-10-10): per seller: Borrowers are not self-employed, form 1084 is not required. Please explain why the form would be required.<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 1250803638 | XXXX |  | 35797282 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing in file for both borrower. |  |  |  | Reviewer Comment (2025-10-13): Received Fraud report for both borrowers. Exception cleared.<br>Buyer Comment (2025-10-10): fraud rpt, both borrower's on rpt<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3564279365 | XXXX |  | 35797299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | Pages [redacted] and [redacted] of the Final Disclosure reflects property taxes are included in the escrow; however, section [redacted] of the Final Disclosure does not reflect the property taxes as escrowed. |  |  |  | Reviewer Comment (2025-10-10): [redacted] received additional clarification on the $[redacted] property taxes for [redacted] and no escrow amount collected.<br>Reviewer Comment (2025-10-09): [redacted] received additional clarification on the $[redacted] property taxes for [redacted] and no escrow amount collected.<br>Buyer Comment (2025-10-08): Please see page [redacted] and [redacted] . The tax cert confirms there were $[redacted] in property tax in [redacted] . This is why there is no amount listed in Section [redacted] . As of closing, there is no amount to collect because there are no property taxes owed. We believe the taxes will be higher in [redacted] and the escrow is set up that the taxes will be included in the mortgage payment in the event the county does charge a property tax amount. Page [redacted] is accurate because the escrow is set up to collect and pay future property taxes and section [redacted] is correct as the current amount of property taxes escrowed is $[redacted] .<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3566591303 | XXXX |  | 35797303 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-10-16): Received Certificate of Compliance. Exception cleared.<br>Buyer Comment (2025-10-15): Please see attached, Cet of Compliance as requested<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3568094089 | XXXX |  | 35797306 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Foreclosure Prevention Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-14): [redacted] received valid COC.<br>Buyer Comment (2025-10-10): Please see the screen shot attached confirming the we received the request to add the foreclosure fee on [redacted] - [redacted] day prior to it being disclosed on [redacted]<br>Reviewer Comment (2025-10-09): [redacted] received rebuttal comment and link to RCW[redacted] notice. As per the notice the notice was certified on[redacted] but the fee was disclosed on final CD dated[redacted]. Please provide more information when lender has become aware of the change or cure would be required.<br>Buyer Comment (2025-10-08): Please see the link below which for [redacted] State Legislature that confirms the $[redacted] [redacted] Forelcosure Prevention Fee in mandatory on all loans in [redacted]<br> [redacted]=[redacted]<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3568094089 | XXXX |  | 35797308 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file was missing the Final Closing Statement from the sale of the departure residence to verify total net equity received and all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-10-10): Seller closing disclosure received. Exception cleared.<br>Buyer Comment (2025-10-10): Please see the final executed CD for the sale of the previous property attached<br>Reviewer Comment (2025-10-09): Reviewed the Purchase agreement and Net Equity Worksheet, but we require the Final Closing Statement to verify total net equity received and all liens are paid and closed.. Exception Remains.<br>Buyer Comment (2025-10-08): Please review the purchase agreement for [redacted] on page[redacted]. [redacted] contains the net equity worksheet<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3570131002 | XXXX |  | 35797309 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2025-11-10): Cleared. Document provided.<br>| 11/10/2025 |  |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3570131002 | XXXX |  | 35797310 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-11-10): Cleared. Document provided.<br>Reviewer Comment (2025-11-10): Reopening to clear.<br>Buyer Comment (2025-10-08): Seller acknowledges the exception, no change to grading.<br>| 11/10/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3570738169 | XXXX |  | 35797314 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's [redacted] W2 in the file was blank. Please provide the most recent year's completed W2 for review. |  |  |  | Reviewer Comment (2025-10-14): Received [redacted] W2. Exception cleared.<br>Buyer Comment (2025-10-12): Please see attached<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3570205178 | XXXX |  | 35797319 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing both the preliminary and final title policy. Please provide evidence of title for review. |  |  |  | Reviewer Comment (2025-10-14): Final Title policy received. Exception cleared.<br>Buyer Comment (2025-10-14): Please see the attached final title policy.<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3570205178 | XXXX |  | 35797321 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [redacted] , or District of [redacted]) | Testing is inconclusive. The file was missing the title report or other acceptable documentation confirming the last originating lender. Please provide for review. |  |  |  | Reviewer Comment (2025-10-17): Received the preliminary title report. Exception cleared.<br>Buyer Comment (2025-10-15): Please see the attached title commitment.<br>Reviewer Comment (2025-10-15): Received the final title policy. Please provide the title commitment to verify the prior originating lender in order to confirm the H-8 RTC form utilized is accurate.<br>Buyer Comment (2025-10-14): Please see the attached final title policy to confirm.<br>| 10/17/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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#### Valuation Report

#### Run Date - 2/13/2026 12:11:41 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 3194756 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 4000093621 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX | 4000091912 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000088264 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.80 |
| XXXX | 4000094409 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | 4000092773 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000094735 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | 4000094088 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.070% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000094366 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| XXXX | 264006 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 1250803638 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | 25080010642 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3564279365 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 3566054226 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3566591303 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3568094089 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3570131002 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3570738169 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3569477630 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3569818309 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3570205178 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3570382778 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |

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#### Supplemental Data

#### Run Date - 2/13/2026 12:11:41 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxxx | 3194756 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000093621 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | No | No | xxxx | 2 |  | 2 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000091912 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx |  | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 1 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | No |  |  |  | xxxx | xxxx |  | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| xxxx | 4000088264 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  | xxxx | xxxx | 4.8 | DU |  | ApproveIneligible | Yes | No | xxxx | 2 |  | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000094409 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 5.0 | DU |  | ApproveIneligible | No | No | xxxx | 1 |  | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx |  | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000092773 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 | 0 | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000094735 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx |  | DU |  | ApproveIneligible | Yes | No | xxxx | 2 |  | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000094088 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | Yes | No | xxxx | 2 | 2 | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 4000094366 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.6 | DU |  | ApproveIneligible | No | No | xxxx | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 264006 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx |  | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 1 | 0 | 3 | 1 |  |  | xxxx | No |  |  |  |  | 240 | Not Stated |  |  |  | xxxx | xxxx |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 1250803638 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx |  | LP / LPA |  | Accept/Ineligible | Yes | No | xxxx | 2 | 2 | 0 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 25080010642 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 | 1 | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 13 | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3564279365 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx |  |  | xxxx | xxxx | 1.2 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 1 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566054226 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566591303 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3568094089 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3570131002 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3570738169 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 | 2 | 0 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3569477630 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3569818309 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3570205178 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 1 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  | 8 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3570382778 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 3.2 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |

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![](logo_situs.jpg)

#### ASF

#### Run Date - 2/13/2026 12:11:42 PM

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 92 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 225 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 190 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 313 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 264 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 207 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 43 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 222 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 215 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 326 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 166 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 2 | 5 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 236 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 50 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  |  | XXXX | XXXX |  |  |  | XXXX |  | 2 |  |  |  |  | 253 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 9 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 348 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 2 | 5 | 1 | 3 | 3 | 3 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 250 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 75 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 78 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 4 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 413 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 170 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 136 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | 0.00 |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | 0.794182 | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

![](logo_ca.jpg)

#### 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 newly originated residential mortgage loans purchased by Redwood Residential Acquisition Corporation. The review included a total of 224 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2026-CD2 (the "Securitization"). The Review was conducted from July 2025 through February 2026 on mortgage loans originated between July 2025 and January 2026.

#### Scope of Review

#### Credit Review
Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

<br> 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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

<br> 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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

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

iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> b. Pricing for Subordinate Lien Loans:

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

ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> c. Pricing for Manufactured Homes:

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

ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

<br> 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:

<br> i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

------

<br> ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

<br> 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;

<br> iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

<br> 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

<br> 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:

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

------

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

<br> 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:

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 Client.

<br> 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.

<br> 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.

<br> 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.

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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 guideline 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.

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For loans reviewed in a post-close valuation review scenario (224 loans in total):

Five (5) loans had a Secondary Appraisal, zero (0) loans had an AVM, and one hundred thirty-four (134) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

Zero (0) loan had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred twenty-four (224) mortgage loans reviewed, fifty-one (51) unique mortgage loans (22.77 % by loan count) had a total of seventy-one (71) discrepancies across eleven (11) 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.

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| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| ULI | 18 | 25.35% |
| Qualifying Total Debt Income Ratio | 16 | 22.54% |
| Total Qualified Assets Post-Close | 8 | 11.27% |
| Escrow Flag | 8 | 11.27% |
| Loan Purpose | 6 | 8.45% |
| Subject Property Type | 5 | 7.04% |
| Refinance Purpose | 5 | 7.04% |
| Property Type | 2 | 2.82% |
| Qualifying FICO | 1 | 1.41% |
| Total Closing Costs | 1 | 1.41% |
| Total Monthly Property Insurance Amount | 1 | 1.41% |
| **Grand Total** | **71** | **100.00%** |

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#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

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| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 196 | $256659591.00 | 87.50% |
| Event Grade B | 28 | $33656982.00 | 12.50% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 224 | $290316573.00 | 100.00% |

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| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 210 | 93.75% |
| Event Grade B | 14 | 6.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 224 | 100.00% |

---

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| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 210 | 93.75% |
| Event Grade B | 14 | 6.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 224 | 100.00% |

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| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 222 | 99.11% |

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| | | |
|:---|:---|:---|
| Event Grade B | 2 | 0.89% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 224 | 100.00% |

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#### 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").

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| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 161 |
| Credit | A | HMDA Data Tape Not Provided | 19 |
| Credit | A | Title Coverage is Less than Subject Lien | 6 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 6 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 6 |
| Credit | A | Audited DTI Exceeds AUS DTI | 5 |
| Credit | A | Borrower 1 Credit Report is Incomplete | 5 |
| Credit | A | The Total Hazard Coverage is LESS than the Required Coverage Amount | 4 |
| Credit | A | Borrower 1 Executed 4506-T Missing | 4 |
| Credit | A | Assets do not meet guideline requirements | 4 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 3 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 2 |
| Credit | A | Borrower 1 Photo Identification not provided | 2 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 2 |
| Credit | A | Audited LTV Exceeds Guideline LTV | 2 |
| Credit | A | Missing Property Tax Cert | 1 |
| Credit | A | Hazard Insurance Policy is Partial | 1 |
| Credit | A | Purchase Contract does not Match Final CD | 1 |
| Credit | A | Borrower 2 Photo Identification not provided | 1 |
| Credit | A | Missing final HUD-1 from sale of non-subject property | 1 |
| Credit | A | HO6 Master Insurance Policy is Missing | 1 |

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| | | | |
|:---|:---|:---|:---|
| | | Guideline Seasoning not Met | 1 |
| | | Housing History Does Not Meet Guideline Requirements | 1 |
| | | The Final 1003 is Incomplete | 1 |
| | | Title Document Missing | 1 |
| | | Borrower 3 Photo Identification not provided | 1 |
| | | Income 11 Months Income Verified is Missing | 1 |
| | | Missing letter of explanation | 1 |
| | | Income 12 Months Income Verified is Missing | 1 |
| | | Missing Verification of Mortgage | 1 |
| | | Income 2 Months Income Verified is Missing | 1 |
| | | AUS Partially Provided | 1 |
| | | Borrower 2 W2/1099 Missing | 1 |
| | | Purchase Contract is Incomplete | 1 |
| | | ATR Risk | 1 |
| | | The Initial 1003 is Missing | 1 |
| | | Income 6 Months Income Verified is Missing | 1 |
| | | Income 7 Months Income Verified is Missing | 1 |
| | | Income 4 Months Income Verified is Missing | 1 |
| | | Income 5 Months Income Verified is Missing | 1 |
| | | Income 10 Months Income Verified is Missing | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | **259** |
|  | B | Title Coverage is Less than Subject Lien | 4 |
|  | B | Borrower 1 W2/1099 Missing | 4 |
|  | B | Borrower 1 Paystubs Missing | 4 |
|  | B | Missing VOM or VOR | 2 |
|  | B | Borrower 2 IRS Transcripts Missing | 2 |
|  | B | Approval/Underwriting Summary Partially Provided | 1 |
|  | B | Borrower 1 IRS Transcripts Missing | 1 |
|  | B | Borrower 2 Paystubs Missing | 1 |
|  | B | Borrower 2 W2/1099 Missing | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | **20** |
| Compliance | A | No Compliance Findings | 140 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 12 |
| Compliance | A | Charges That Cannot Increase Test | 9 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 6 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 3 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 1 |
| Compliance | A | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | 1 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 1 |
| Compliance | A | Right of Rescission is Missing | 1 |
| Compliance | A | TRID Disclosure Delivery and Receipt Date Validation Test | 1 |

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| | | | |
|:---|:---|:---|:---|
| | | TRID Disclosure Delivery Date Validation Test | 1 |
| | | TRID: Missing Closing Disclosure | 1 |
| | | eSigned Documents Consent is Missing | 1 |
| | | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | **181** |
|  | B | Lender Credits That Cannot Decrease Test | 7 |
|  | B | Charges That Cannot Increase Test | 5 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 |
|  | B | RESPA Homeownership Counseling Organizations Disclosure Date Test | 2 |
|  | B | Missing Credit Score Disclosure (FACTA) | 1 |
|  | B | Missing Initial Escrow Disclosure | 1 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | **20** |
| Property | A | No Property Findings | 169 |
| Property | A | Appraisal incomplete (missing map, layout, pages, etc.) | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **170** |
| Property | B | Property/Appraisal General | 2 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | **2** |

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#### Event Grade Definitions

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| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | 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. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

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| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| 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 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

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| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| 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 absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

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| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| 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. |

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## Exhibit 99.11

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Final Property Valuation Grade** |
| 1225357176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than total amount of Subject Lien XXX | XX/XX/XXXX SW-see attached | 10/09/2025 | Condition cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.94% is less than Guideline CLTV of 80% Calculated CLTV of 62.94% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.94% is less than Guideline LTV of 80% Calculated LTV of 62.94% is less than Guideline LTV of 80%<br> C<br> A<br> B | A<br> C |
| 1225357176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | XX/XX/XXXX tm: The subject is located in XXX which prohibits lenders from asking for RCEs. A checklist of coverage was provided as an acceptable alternative which confirms the dwelling coverage is determined by the replacement cost. This confirms the replacement cost is at less than or equal to the dwelling coverage and sufficient dwelling coverage has been provided. | 07/28/2025 | Lender provided checklist of coverage reflecting replacement cost estimate of $XXX. In the State of Florida, Lender's are not allowed to require additional coverage or request a replacement cost estimator. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.94% is less than Guideline CLTV of 80% Calculated CLTV of 62.94% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.94% is less than Guideline LTV of 80% Calculated LTV of 62.94% is less than Guideline LTV of 80%<br> C<br> A | A<br> C |
| 1225357176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.94% is less than Guideline CLTV of 80% Calculated CLTV of 62.94% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.94% is less than Guideline LTV of 80% Calculated LTV of 62.94% is less than Guideline LTV of 80%<br> C<br> A | A<br> C |
| 255347273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | Tapes should be provided please advise on clearing | 09/11/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 255347273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing the mortgage Statement for the property located at XXX in order to verify if the taxes and insurance are escrowed. Additional conditions may apply. | First page is mortgage stmt - payment was not calculated with tax ins in escrowed Monthly payment XXX taxes XXX yr, HOI XXX yr, HOA XXX month total XXX as shown on 1003 | 09/09/2025 | Condition cleared as we have received evidence of the mortgage PITIA. ; Borrower 1 Credit Report is not partially present. | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 255347273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 09/09/2025 | Condition cleared as we have received the updated title. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B | A<br> C |
| 1225506148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX - KJ: Please see the attached property detail report confirming the property is an SFR. There is no documentation in file or third party data indicating HOA dues are applicable for this property | 10/08/2025 | Lender provided property detail report reflecting property as an SFR. Audit property search supports property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 80% Calculated CLTV of 64.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 80% Calculated LTV of 64.29% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C | A<br> D |
| 1225506148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Missing Borrower 1 Executed XXX-T. | XX/XX/XXXX - KJ: Please see attached | 10/08/2025 | Lender provided XXX-C. Condition cleared.; Borrower 1 Executed XXX-T Provided | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 80% Calculated CLTV of 64.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 80% Calculated LTV of 64.29% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | A<br> D |
| 1225506148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 80% Calculated CLTV of 64.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 80% Calculated LTV of 64.29% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C | A<br> D |
| 1480053864 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Cured | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of Appraisal review fee for XXX The change occurred on the PCCD issued XX/XX/XXXX without a valid reason. Cure required | PCCD UPDATED ; PCCD UPLOADED AGAIN; REFUND DOCS; A lender paid credit of XXX was added, per the COC showing that so this loan has been cured. Please see the PCCD. ; COC STATING INCREASE DUE TO REVIEW FEE ADDED | 10/30/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided a PCCD dated XX/XX/XXXX that was also in the loan file and does not reflect the cure of XXX to meet TRID requirements. Please provide the PCCD dated XX/XX/XXXX that was issued with the LOE and refund check to meet TRID requirements. TRID requires a LOE, PCCD, copy of refund check and proof of delivery. Condition retained.; Lender provided LOE, copy of refund check and proof of delivery; however, did not provide the PCCD. Condition retained.; Audit reviewed Lender's response and has determined an LOE, PCCD, copy of refund check and proof of delivery is required to verify the cure of $XXX. In addition, the PCCD dated XX/XX/XXXX in the loan file and also provided with trailing docs does not reflect a cure of XXX was given to the Borrower. Please provide LOE, PCCD, copy of refund check and proof of delivery for the cure of XXX to meet TRID requirements. Condition retained.; Lender provided a COC; however, it is date post closing. A post closing COC is invalid. Fees cannot change post closing. In addition, the appraisal invoice for the 2nd appraisal review is dated XX/XX/XXXX indicating the Lender would have known about the added fee prior to XXX/XXX/XXX. Please provide cure of $XXX. Condition retained. | 11/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 1480053864 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please clarify what document is needed to clear this conditions. | 10/08/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 1225488009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 1143889A |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 1143889A |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The DU requires a verbal, written, or email verification of employment dated within XXX days prior to the Note date. The file is missing the verification of employment for both XXX and XXX. Please provide the verification of employment for both employers within the required timeframe. | Please find Earning Statements attached | 10/08/2025 | Condition cleared as we have received the missing VOE's from the lender. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 980121318881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 1034000381399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan was approved using XXX in rental income. The file does not include supporting documentation, such as a lease agreement or a Schedule E, to confirm or recalculate the qualifying rental income for the following properties: XXX, XXX, and XXX. | rental income | 11/05/2025 | Lender provided tax return with schedule E supporting rental income on REO properties. Condition cleared.; Income and Employment Meet Guidelines | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80%<br> C<br> A | A<br> C |
| 1034000381399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80%<br> C<br> A | A<br> C |
| 1034000381399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application lists an investment property located at XXX with a housing expense of XXX and a second home located at XXX with a housing expense of $XXX. The file does not contain documentation to validate or confirm the expenses listed on the application. | Seabreeze and Karen | 11/03/2025 | Condition resolved as we have received evidence of free and clear as well as Taxes, Insurance and HOA dues. ; Borrower 1 Credit Report is not partially present. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80%<br> C<br> A | A<br> C |
| 1225657564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Title Commitment | 11/14/2025 | Condition cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.93% is less than Guideline CLTV of 80% Calculated CLTV of 58.93% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.93% is less than Guideline LTV of 80% Calculated LTV of 58.93% is less than Guideline LTV of 80%<br> C<br> A<br> B | A<br> C |
| 1225657564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.93% is less than Guideline CLTV of 80% Calculated CLTV of 58.93% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.93% is less than Guideline LTV of 80% Calculated LTV of 58.93% is less than Guideline LTV of 80%<br> C<br> A | A<br> C |
| 4256179496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing insurance policy for the property at XXX. Please provide insurance policy for the property Stated above. | REO Docs | 11/06/2025 | Condition cleared as we have received the missing hazard policy. ; Borrower 1 Credit Report is not partially present. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 4256179496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 1525289010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with minimum coverage of XXX | please see attached doc JK XX/XX/XXXX | 11/19/2025 | Lender provided title commitment reflecting coverage of XXX Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Material Finding; Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with minimum coverage of XXX | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.95% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.95% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B | A<br> C |
| 1525289010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.95% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.95% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 1034000388449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in appraisal fee on the revised LE. The COC did not provide enough information to determine if the reason for increase was valid. Provide clarification of the COC 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Refund check ; LOX/PCCD/Shipping label refund XXX | 11/18/2025 | Cured post close and will remain a non material B grade. Received cure package from lender. ; Lender provided LOE, PCCD and proof of delivery; however, did not provide copy of refund check. Please provide copy of refund check. Condition retained.; Lender provided LOE, PCCD and proof of delivery; however, did not provide copy of refund check. Please provide copy of refund check. Condition retained.; Cured post close and will remain a non material B grade. Received cure package from lender. ; Lender provided LOE, PCCD and proof of delivery; however, did not provide copy of refund check. Please provide copy of refund check. Condition retained.; Lender provided LOE, PCCD and proof of delivery; however, did not provide copy of refund check. Please provide copy of refund check. Condition retained. | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.01% is less than Guideline LTV of 80% Calculated LTV of 55.01% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.01% is less than Guideline CLTV of 80% Calculated CLTV of 55.01% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 1034000388449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. MISSING MORTGAGE Statement, tax certificate, insurance policy and HOA Statement for the property at XXX Paradise Path. If HOA dues are not applicable, a LOE stating there are no HOA dues is required. | XXX Paradise Path Taxes and insurance and HOA / paid by other | 11/12/2025 | Lender provided mortgage Statement, hoi, taxes and LOE indicating no HOA fees for property XXX Paradise verifying PITIA. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.01% is less than Guideline LTV of 80% Calculated LTV of 55.01% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.01% is less than Guideline CLTV of 80% Calculated CLTV of 55.01% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 1034000388449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The blend document in file shows electronic consent as "pending" | Econsent | 11/12/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding; Material Finding | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.01% is less than Guideline LTV of 80% Calculated LTV of 55.01% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.01% is less than Guideline CLTV of 80% Calculated CLTV of 55.01% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 1034000388449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | at delivery | 11/12/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.01% is less than Guideline LTV of 80% Calculated LTV of 55.01% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.01% is less than Guideline CLTV of 80% Calculated CLTV of 55.01% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 126285764 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.95% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.95% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 255399627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Title | 11/10/2025 | Condition cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.4% is less than Guideline LTV of 80% Calculated LTV of 49.4% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 80% Calculated CLTV of 49.4% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B | A<br> C |
| 255399627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.4% is less than Guideline LTV of 80% Calculated LTV of 49.4% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 80% Calculated CLTV of 49.4% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 255395334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 4256182136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 1225672402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.35% is less than Guideline CLTV of 80% Calculated CLTV of 61.35% is less than Guideline CLTV of 80% Calculated CLTV of 61.35% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.35% is less than Guideline LTV of 80% Calculated LTV of 61.35% is less than Guideline LTV of 80% Calculated LTV of 61.35% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 980121347253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 1034000440998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title coverage XXX | 12/01/2025 | Cleared as we have received updated title. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material; Material | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B | A<br> C |
| 1034000440998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3569299412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3569299412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3569299412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573420046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 89.99%<br> A | A |
| 3573420046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 89.99%<br> A | A |
| 3573420046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 89.99%<br> A | A |
| 3567804663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3567804663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3567804663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572432018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572432018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572432018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573151885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573151885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573151885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573984820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Per XXX Properties XXX and XXX, XXX, XXX are one of the same, however XXXd both properties and picture reflects picture of the front residence and a picture of the back of a residence. Nothing to verify that they are one of the same. Provide supporting documentation from the postal service that properties are one in the same. In addition that Borrower's have no interest in property located at XXX. | Document Uploaded. Please see attached, XXX map searches to support the UW comment. As you can see, XXX maps confirms XXX and XXX are the same property. As Stated by the XXX this is further supported by the mortgage Statement that lists both properties. Additional documentation is not required. | 01/07/2026 | Mortgage Statement included in the loan file lists both addresses, no further info required. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3573984820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3573984820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3574354709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.07% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.07% is less than Guideline LTV of 89.99%<br> A | A |
| 3574354709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.07% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.07% is less than Guideline LTV of 89.99%<br> A | A |
| 3574354709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.07% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.07% is less than Guideline LTV of 89.99%<br> A | A |
| 3574609829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89%<br> A | A |
| 3574609829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89%<br> A | A |
| 3574609829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89%<br> A | A |
| 3574894979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, and proof of refund. The file is missing a valid COC to support the following fee addition: - A credit report fee of XXX was added to the initial CD, dated XXX/XXX/XXX. The credit reporting fee name was initial disclosed on the Initial LE dated XXX/XXX/XXX, but the charge dd not reflect until the Initial CD dated XXX/XXX/XXX. The file does not contain a valid COC for the addition of this fee. Please provide a detailed explanation as to fee charge and the timing of fee. | Fees on a Loan Estimate are rounded to the nearest dollar. Because this fee was XXX it was rounded to zero and absent from the LE. On the initial CD where the fees are not rounded, the fee was correctly disclosed. Please review to clear this condition. | 01/05/2026 | Lender confirmed it was not disclosed due to the rounding on the LE; excpetion resolved; Lender confirmed it was not disclosed due to the rounding on the LE; excpetion resolved | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3574894979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3574894979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3575072379 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/03/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Need the tax documentation for the REO located at XXX | Document Uploaded. Please see the attached property hub documentation confirming property taxes for non subject XXX Lake. | 01/08/2026 | Housing History Meets Guideline Requirements | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3575072379 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3575072379 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3575158735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Form XXX not provided for b1 in file | Document Uploaded. Please see the attached signed 4506C | 01/02/2026 | Borrower 1 Executed XXX-T Provided | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.88% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.88% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575158735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.88% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.88% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575158735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.88% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.88% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575273057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575273057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575273057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575366304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575366304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575366304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575445591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575445591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3559728562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is XXX acres which violates guideline max of XXX acres. Lender exception in file with compensating factors: XXX FICO, XXX years on time mortgage payment history, and XXX years with employer. |  |  | Lender exception in file with compensating factors: XXX FICO, XXX years on time mortgage payment history, and XXX years with employer. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.48% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.48% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | B<br> A<br> C |
| 3559728562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.48% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.48% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | B<br> A<br> C |
| 3559728562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.48% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.48% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | B<br> A<br> C |
| 3567992553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> A | A |
| 3567992553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> A | A |
| 3567992553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> A | A |
| 3570984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3570984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3570984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3571953577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required: No evidence of Receipt date for XX/XX/XXXX revised loan estimate, XX/XX/XXXX Consummation. Provide evidence borrower received the revised LE prior to consummation. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/07/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3571953577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3571953577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3572091817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in appraisal fee. the appraisal fee increased due to non-subject property order; however, per change of circumstance, the initial order was placed on XXX/XXX/XXX. The fee was disclosed late. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the screen shots attached confirming the appraisal fee increase was the result of needing a final inspection. The fee increase on XX/XX/XXXX and was disclosed to the borrower on the same date | 01/13/2026 | Valid COC provided; exception resolved | 01/14/2026 | C<br> A | A<br> C |
| 3572091817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | C<br> A | A<br> C |
| 3572091817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | C<br> A | A<br> C |
| 3572450632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3572450632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3572450632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3572631400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX See page XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX See page XXX | Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/09/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 89.99%<br> D<br> B<br> C | A<br> D<br> B<br> C |
| 3572631400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Rescinded | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for decrease in lender credits. Lender credits decreased from XXX on revised LE issued XX/XX/XXXX to XXX on Final CD. The Final CD shows fees paid by other; itemization in loan file dated the same shows fees paid by lender. A prelim settlement Statement in loan file shows fees paid by other as well. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Please re-review as the final closing disclosure and the CD addendum/Itemization of Credits confirm lender paid fees of $XXX. | 01/09/2026 | Lender credits itemized on CD are more than disclosed originally; Exception resolved; Lender credits itemized on CD are more than disclosed originally; Exception resolved | 01/12/2026 | D<br> B<br> C<br> A | A<br> D<br> B<br> C |
| 3572631400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Missing Document - Provide Right of Rescission executed by borrowers. | Please be advised this is a new construction transactions and is not considered a rescindable transaction. | 01/09/2026 | Right of Rescission is Provided | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 89.99%<br> D<br> B<br> A<br> C | A<br> D<br> B<br> C |
| 3572631400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Acknowledged | FCOM3849 | 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 XXX(a)(XXX)). Documentation required: Provide evidence borrower received a copy of the appraisal at least XXX business days prior to consummation. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/09/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 89.99%<br> D<br> B<br> C | A<br> D<br> B<br> C |
| 3572631400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | On the Flood Cert, the map # is XXX On the appraisal, the FEMA Map # is 39035C0242E. Lender did not have the map number corrected. | Please be advised based on the new Risk Rating XX/XX/XXXX system implemented XX/XX/XXXX map information does not need to match between the flood cert and the appraisal. | 01/09/2026 | Not required. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 89.99%<br> D<br> B<br> C<br> A | A<br> D<br> B<br> C |
| 3573031893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.57% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573031893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.57% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573031893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.57% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573104650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99%<br> A | A |
| 3573104650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99%<br> A | A |
| 3573104650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99%<br> A | A |
| 3573311643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573311643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573311643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573332421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.16% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.16% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573332421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.16% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.16% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573332421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.16% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.16% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3573851001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573851001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573851001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574068744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for addition of appraisal review fee without COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC supporting the addition of the fee. | Document Uploaded. Please see attached, The valid CIC for the increase in the appraisal review fee was the appraisal requiring an additional CDA be ordered. This occcured on XX/XX/XXXX and was disclosed to the borrower on the XX/XX/XXXX CD. Please note, this is still within XXX business days as XXX Mortgage was closed to the public on XX/XX/XXXX and XXX/XXX. I have uploaded the company calender which confirms the company was closed those days. Per CFPB official interpretation of XXX(a)(XXX)(i) "The general definition of "business day" in § XXX(a)(XXX) - a day on which the crXXX's offices are open to the public for substantially all of its business functions - is used for purposes of § XXX(a)(XXX)(i)." | 01/07/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.58% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.58% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3574068744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Rescinded | finding-3613 | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. corrected date; exception resolved corrected date; exception resolved | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. corrected date; exception resolved corrected date; exception resolved |  |  | 01/08/2026 | C<br> A | A<br> C |
| 3574068744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.58% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.58% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3574068744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.58% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.58% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3574497078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.08% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.08% is less than Guideline LTV of 89.99%<br> A | A |
| 3574497078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.08% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.08% is less than Guideline LTV of 89.99%<br> A | A |
| 3574497078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.08% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.08% is less than Guideline LTV of 89.99%<br> A | A |
| 3574913256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574913256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574913256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575085822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Property is considered a site condo. Master Policy is required as the HO6 policy only covers $XXX. | Document Uploaded. Please see the attached condo insurance.; Document Uploaded. Please see the attached condo master insurance policy. | 01/12/2026 | HO-6 Master Insurance Policy is fully present; Flood insurance attached, Not Master Condo Insurance Policy. Please provide Master Condo Insurance Policy. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575085822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575085822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575341487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575341487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575341487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575549584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX 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 COC. The zero tolerance violation in the amount of XXX is due to the increase in the lenders title insurance without a valid COC in file | Document Uploaded. Please see attached cure package mailed to the borrower. | 01/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575549584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due the addition of an appraisal review fee 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please be advised the initial loan estimate bifurcated the appraisal fees and disclosed as XXX the final closing disclosure broke the fee out and was less than initially disclosed at XXX | 01/07/2026 | Lender confirmed the appraisal review fee was included in the appraisal fee when initially disclosing ; Lender confirmed the appraisal review fee was included in the appraisal fee when initially disclosing | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575549584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Acknowledged | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Missing Credit Score Disclosure (FACTA). | Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/07/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575549584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575549584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575727972 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575727972 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575727972 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575818911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided AUS shows the spousal support as loss in income. The XXX shows the spousal support as a liability. The XXX is what was utilized and confirmed with the higher income (matching data tape calculation). An updated AUS is required. | Document Uploaded. We have re-XXXed and showed it as a reduction in income as it should be. Please update your calculation to show the debt as reduction in income. | 01/08/2026 | AUS is not incomplete | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575818911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% AUS shows the spousal support as loss in income. The XXX shows the spousal support as a liability. The XXX is what was utilized and confirmed with the higher income (matching data tape calculation). An updated AUS is required. | We have re-XXXed and showed it as a reduction in income as it should be. Please update your calculation to show the debt as reduction in income. | 01/08/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A<br> D |
| 3575818911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575818911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> D |
| 3575999147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE1297 | Credit | Income 6 Months Income Verified is Missing | Income 6 Months Income Verified is Missing Missing documentation to verify the property tax payment for XXX. | Document Uploaded. Please see the attached tax bill. | 01/08/2026 | Income 6 Months Income Verified is Present Or Not Applicable | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3575999147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3575999147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | The appraisal review fee was added as a result of the receipt of the SSR Report which showed a CU score > XXX. The SSR Report was dated on XXX/XXX. | 01/09/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase in Appraisal Review Fee from XXX on LE dated XX/XX/XXXX to XXX on LE dated XXX/XXX/XXX. On XX/XX/XXXX an appraisal review fee was added. A COC was provided but is not legible because its cut off after the date. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> C<br> D |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. XXX Fargo Acct #XXX has a balance of XXX as of Nov. XXX Additional documentation to confirm a higher balance ($XXX - per XXX/1003/AUS) is required. Assets do not meet requirements to close plus reserves. | Document Uploaded. Please see the attached asset Statement. | 01/09/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> C<br> D |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) XXX Fargo Acct #XXX has a balance of XXX as of Nov. XXX Additional documentation to confirm a higher balance ($XXX - per XXX/1003/AUS) is required. Assets do not meet requirements to close plus reserves. | Please see the attached asset Statement. | 01/09/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> C<br> D |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX Fargo Acct #XXX has a balance of XXX as of Nov. XXX Additional documentation to confirm a higher balance ($XXX - per XXX/1003/AUS) is required. Assets do not meet requirements to close plus reserves. | Document Uploaded. Please see the attached asset Statement. | 01/09/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> C<br> D |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Insufficient funds to close and meet reserve requirement, per gds XXX months for subject plus XXX months per additional XXXd property. borrower has XXXd properties. | Document Uploaded. Please see the attached asset Statement. | 01/09/2026 | Funds are found to meet guidelines. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> C<br> D |
| 3576006542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.05% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.05% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> C<br> D |
| 3576239886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576239886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576239886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576259575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required: Provide evidence of receipt of revised Loan estimate. The Revised Loan Estimate dated XX/XX/XXXX less than XXX business days prior to closing date of XXX/XXX/XXX. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. | Document Uploaded. Please see the attached that verifies the LE was acknowledged on XXX/XXX. Please see the attached which confirms with the received by website fyi, that the borrower acknowledged receipt. The oustanding status is the date/time the loan estimate was created. | 01/07/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.06% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576259575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.06% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576259575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.06% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576332589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576332589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576332589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576339747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from $000to XXX for the Appraisal Review Fee. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see uploaded document, XXX cure to the borrower with PCCD, LOE and shipping information. | 01/13/2026 | valid COC provided; Exception resolved; valid COC provided; Exception resolved; | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 89%<br> D<br> B<br> C<br> A | A<br> D<br> B |
| 3576339747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see attached, we did have a valid CIC for adding the fee. The CDA was required once the appraisal came back. We do not have a valid CIC for removing the lender credit, which is what the cure was for. ; Document Uploaded. Please see uploaded document, XXX cure to the borrower with PCCD, LOE and shipping information. | 01/15/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided for the XXX zero tolerance, however there was an additional XXX required for the reduction in the specific lender credits. Cure package required | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 89%<br> D<br> B<br> C<br> A | A<br> D<br> B |
| 3576339747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Acknowledged | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New CrXXX) used for Same Lender or Lender Affiliate XXX The consumer was provided the incorrect RTC version. The consumer is refinancing with new advance of money with th same crXXX. Model H-XXX was provided; because the property is located in UT, model H-XXX should have been used. Cure requires PCCD, LOE, re-opening of rescission, and proof of newly executed RTC. | Unable to Resolve-Seller acknowledges exception, no change to grading. ; The use of the H-XXX Model Form allows the borrower the right of full rescission on the credit transaction, is substantially similar to the H-XXX Model Form, includes all material disclosures required by the Truth-in-Lending Act and Regulation Z and offers more consumer protection. The use of the Model Form H-XXX has been upheld in three U. Circuits. Only one U. Circuit has held the use of the H-XXX Model Form was unacceptable and the case is distinguishable on the facts. As this loan resides outside of the one U. Circuit court, we ask the exception be downgraded to a grade XXX - immaterial. | 01/13/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.; Agreed, exception downgraded to a XXX please confirm if this exception should be acknowledged | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 89%<br> D<br> B<br> A | A<br> D<br> B |
| 3576339747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 89%<br> D<br> B<br> A | A<br> D<br> B |
| 3576339747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 89%<br> D<br> B<br> A | A<br> D<br> B |
| 3567534826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3567534826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3567534826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3568261359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DU does not include property XXX into their negative rental loss calculation. When including the property T&I of XXX the total monthly negative rent is XXX resulting in a DTI of XXX% which is over the DU DTI of XXX%. XXX DTI reporting XXX%. | The non subject XXX is accounted for in DTI. DTI is calculated as follows: Borrower Net Rental Loss XXX + Co-Borrower Net Rental Loss XXX + Co-Borrower Primary XXX + Other debt XXX + Subject PITIA $XXX= $XXX/ Total Income XXX = XXX%. | 01/09/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3568261359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3568261359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3569900251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX for the lender paid mortgage recording fee on CD XX/XX/XXXX which was then removed on the Final CD XX/XX/XXXX without a COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached redisclosure package. | 01/14/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to a 2/B | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.24% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.24% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3569900251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Rescinded | finding-4001 | Compliance | TRID Disclosure Delivery Date Validation Test | This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the revised closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the revised closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Corrected date; exception resolved Corrected date; exception resolved | This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the revised closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the revised closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Corrected date; exception resolved Corrected date; exception resolved |  |  | 01/19/2026 | C<br> B<br> A | A<br> C<br> B |
| 3569900251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.24% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.24% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3569900251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.24% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.24% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3572453967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572453967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572453967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3572714506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.23% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.23% is less than Guideline LTV of 89.99%<br> A | A |
| 3572714506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.23% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.23% is less than Guideline LTV of 89.99%<br> A | A |
| 3572714506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.23% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.23% is less than Guideline LTV of 89.99%<br> A | A |
| 3572892462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3572892462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3572892462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573132508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.3% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573132508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.3% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573132508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.3% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574051359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final revised LE at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/09/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.98% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.98% is less than Guideline LTV of 89.99%<br> D<br> A<br> C | A<br> C<br> D |
| 3574051359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided. | Document Uploaded. Please see the executed identification verification and acknowledgement cert attached | 01/09/2026 | Photo Identification provided. | 01/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.98% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.98% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> C<br> D |
| 3574051359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.98% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.98% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> C<br> D |
| 3574068613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.93% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 90%<br> A | A |
| 3574068613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.93% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 90%<br> A | A |
| 3574068613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.93% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 90%<br> A | A |
| 3574273237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574273237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574273237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574462826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574462826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574462826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574535081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.34% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.34% is less than Guideline LTV of 89.99%<br> A | A |
| 3574535081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.34% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.34% is less than Guideline LTV of 89.99%<br> A | A |
| 3574535081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.34% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.34% is less than Guideline LTV of 89.99%<br> A | A |
| 3574708005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.32% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574708005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.32% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574708005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.32% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574737920 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Per the most recent AUS findings, reserves totaled XXX months or $XXX. Reserves required to be verified = XXX Please review aus findings and clear or provide reserve requirement calculation. | 01/12/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3574737920 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE1198 | 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) |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3574737920 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3574737920 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3574810346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 80%<br> A | A |
| 3574810346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 80%<br> A | A |
| 3574810346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 80%<br> A | A |
| 3574842369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574842369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574842369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX 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/XXX/XXX. Additional conditions may apply. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached XX/XX/XXXX CD.; Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures.; Please see attached acknowledged initial CD. | 01/14/2026 | CD dated within XXX days of COC in file provided; exception resolved; No valid COC in file for increase in discount points. The fee increased on the final CD but did not have valid COC. There is a COC in file for increase in loan amount but there is not a disclosure dated within XXX days of the COC provided; COC in file is dated XX/XX/XXXX but isnt disclosed until XX/XX/XXXX | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. No valid COC in file for increase in discount points. The fee increased on the final CD but did not have valid COC. There is a COC in file for increase in loan amount but there is not a disclosure dated within XXX days of the COC provided No valid COC in file for increase in discount points. The fee increased on the final CD but did not have valid COC. There is a COC in file for increase in loan amount but there is not a disclosure dated within XXX days of the COC provided Please see the attached XX/XX/XXXX CD. Please see the attached XX/XX/XXXX CD. Please see the attached XX/XX/XXXX CD. CD dated within XXX days of COC in file provided; exception resolved CD dated within XXX days of COC in file provided; exception resolved | 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. No valid COC in file for increase in discount points. The fee increased on the final CD but did not have valid COC. There is a COC in file for increase in loan amount but there is not a disclosure dated within XXX days of the COC provided No valid COC in file for increase in discount points. The fee increased on the final CD but did not have valid COC. There is a COC in file for increase in loan amount but there is not a disclosure dated within XXX days of the COC provided Please see the attached XX/XX/XXXX CD. Please see the attached XX/XX/XXXX CD. Please see the attached XX/XX/XXXX CD. CD dated within XXX days of COC in file provided; exception resolved CD dated within XXX days of COC in file provided; exception resolved |  | COC in file is dated XX/XX/XXXX but isnt disclosed until XX/XX/XXXX | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | finding-3545 | Compliance | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i).. owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i).. owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. removed invalid COC; exception resolved removed invalid COC; exception resolved | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i).. owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i).. owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. Please be advised the CIC in the file is erroneous the rate did not change from XXX% as shown on all disclosures. removed invalid COC; exception resolved removed invalid COC; exception resolved |  | COC in file is dated XX/XX/XXXX but isnt disclosed until XX/XX/XXXX | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM3849 | 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 XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. Please see the attached confirmation of appraisal delivery.; Please see attached confirmation the appraisal was delivered to the borrower. | 01/13/2026 | Evidence of appraisal delivery provided.; no appraisal delivery document attached, please re-upload | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3532 | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe crXXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX 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/XXX/XXX. Additional conditions may apply. | Document Uploaded. Please see attached acknowledged initial CD. | 01/09/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3536 | Compliance | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX and 12 CFR §1026.19(e)(4)(i) he initial closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure) his test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i).. owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). The COC dated XX/XX/XXXX is not dated within XXX business days of Final CD dated XXX/XXX/XXX; however the initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD which discloses the fee changes as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX. Additional conditions may apply. | Please see attached acknowledged initial CD. | 01/09/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Missing title coverage to cover a minimum of the loan amount. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 01/09/2026 | Acknowledged as 2/B grading per client request. | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575171252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br> C<br> B<br> A | A<br> C<br> B |
| 3575363210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575363210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575363210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575475881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575475881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575475881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575601685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575601685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575601685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575624462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575624462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575624462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575692217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). HOI policy is not in the file to show poof of replacement coverage due to dwelling amount not covering the loan amount. | The HOI policy States in the remarks that replacement cost coverage is included in the policy, the policy coverage itself does not need to equal the appraisal value if the replacement cost coverage is included. | 01/12/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; HOI declaration States replacement coverage is included in coverage. Requirement met. | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.89% is less than Guideline LTV of 89.9% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 89.9%<br> C<br> A | A<br> C |
| 3575692217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.89% is less than Guideline LTV of 89.9% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 89.9%<br> C<br> A | A<br> C |
| 3575692217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.89% is less than Guideline LTV of 89.9% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 89.9%<br> C<br> A | A<br> C |
| 3575716684 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | REO property HOA Document is missing for subject property and rental property to verify XXX mo for subject and XXX per mo for other property | Document Uploaded. The subject appraisal verifies XXX in HOA dues and the screen shot attached from Trulia confirms XXX in HOA dues for XXX Marion. Please see corrected 1003 and XXX attached | 01/09/2026 | Lender provided updated 1003, XXX and REO property doc showing no HOA. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.71% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3575716684 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing B1 - XXX-T is missing | Document Uploaded. Please see attached | 01/09/2026 | Borrower 1 Executed XXX-T Provided | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.71% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3575716684 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.71% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3575716684 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.71% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3575727743 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> A | A |
| 3575727743 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> A | A |
| 3575727743 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> A | A |
| 3576007524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.6% is less than Guideline LTV of 80%<br> A | A |
| 3576007524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.6% is less than Guideline LTV of 80%<br> A | A |
| 3576007524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.6% is less than Guideline LTV of 80%<br> A | A |
| 3576012459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576012459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576012459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576209730 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576209730 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576209730 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576217677 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.58% is less than Guideline LTV of 89.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576217677 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.58% is less than Guideline LTV of 89.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576217677 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.58% is less than Guideline LTV of 89.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576237666 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576237666 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576237666 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/10/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 is missing the income for the XXX and the XXX businesses. | The 1003 is not incomplete. Similarly to a max number of REO and properties, the 1003 only allows for a certain number of businesses to be present. In all, the borrower owns XXX companies but only XXX are present on the 1003. Unfortunately, our technology does not allow for select businesses to be present and we cannot change what businesses appear. Please escalate for this to be cleared as-is | 01/12/2026 | Lender's system/technology/1003 not capable of handling all of the Borrower's businesses, as a result, XXX of the businesses with income are not reflected on the 1003. Condition cleared. | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1298 | Credit | Income 7 Months Income Verified is Missing | Income 7 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1296 | Credit | Income 5 Months Income Verified is Missing | Income 5 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1295 | Credit | Income 4 Months Income Verified is Missing | Income 4 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1293 | Credit | Income 2 Months Income Verified is Missing | Income 2 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1301 | Credit | Income 10 Months Income Verified is Missing | Income 10 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1302 | Credit | Income 11 Months Income Verified is Missing | Income 11 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1303 | Credit | Income 12 Months Income Verified is Missing | Income 12 Months Income Verified is Missing Missing K1 from, XXX, XXX Plaza, XXX, XXX, XXX, XXX, XXX, XXX. Verification of XXX% or more ownership not provided. | Please be advised the K1s are not needed for any of the business noted in these exceptions. All the businesses were qualified with the full loss present on the 1040s meeting guidelines. Please escalate for this to be cleared as is | 01/12/2026 | Lender deducted losses from qualifying income as reflected in XXX's. Additional documentation for secondary and separate sources of self employment losses are not required per page XXX of Jumbo Smart XXX Year Fixed Lender guidelines. Condition rescinded. | 01/13/2026 | D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/10/2026 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Need the Closing Statement for the XXX property showing sold. | Document Uploaded. Please see the final settlement Statement confirming the sale of XXX | 01/12/2026 | Final Settlement Statement for sale of Bergamo received. Condition cleared. | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required to clear exception: Proof of delivery/receipt of Revised LE issued XX/XX/XXXX business days prior to consummation dated XXX/XXX/XXX. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/12/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C | A<br> C<br> D |
| 3576336172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | A<br> C<br> D |
| 3576350678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576350678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576350678 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576414879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX 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 COC. The XXX% tolerance violation in the amount of XXX is due to increase of the Mortgage recording fee on the CD issued XXX/XXX/XXX. | Document Uploaded. Per the attached final ALTA, the recording fees were actually XXX charged to the borrower. The CD has been updated to reflect the correct fee amount. Please see the attached PCCD, LOE and shipping label. | 01/12/2026 | PCCD and FSS provided; exception resolved; PCCD and FSS provided; exception resolved | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576414879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576414879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576569687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576569687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576569687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576736574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576736574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576736574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3577220293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.8% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3577220293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.8% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3577220293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.8% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3577400740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.63% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.63% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577400740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.63% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.63% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577400740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.63% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.63% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 409038019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX in file States that the loan was approved as a manual underwrite. An updated XXX should have been obtained reflecting the DU AUS | ; We will waive for B grade. Comp Factors: XXX) XXX FICO XXX) 74.55% LTV XXX) XXX% DTI ; ; | 01/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX FICO XXX) 74.55% LTV XXX) XXX% DTI | 01/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A | A<br> D<br> B |
| 409038019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert The tax documentation in file is for an incorrect property located at XXX, the subject property is located at XXX. | ; ; ; Message received. In Redwood review. ; Addresses are for same location. this was a new construction and address with subject located updated to XXX. ; ; | 01/23/2026 | Property Tax Cert Provided; Verified APN same through out Tax Assessor website, appraisal and title for property. ; No additional documentation received for review showing properties are one in the same. ; Missing Property Tax Cert | 01/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A | A<br> D<br> B |
| 409038019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The title documentation in file is for an incorrect property located at XXX, the subject property is located at XXX. | ; Document Uploaded. ; Documentation received, RWT to review.; ; | 01/22/2026 | Title Document is fully Present; Client provided Short Form XXXial Combination One to Four Family Schedule A for Owners and Loan title policies for XXX. LM Updated. | 01/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A | A<br> D<br> B |
| 409038021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Rescinded | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Lender credit for the Appraisal fee was removed on the CD issued XX/XX/XXXX without a valid reason. | ; Documentation received, RWT to review.; Document Uploaded. ; | 01/30/2026 | Appraisal fee was not paid by lender on CDs; exception resolved; Appraisal fee was not paid by lender on CDs; exception resolved | 01/30/2026 | C<br> A | A<br> C |
| 409038024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | ; ; Document Uploaded. Please see RCE attached. | 01/22/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided RCE for the subject property reflecting Estimated Reconstruction Cost of XXX LM Updated. | 01/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 409037991 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409037999 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in discount points without valid COC. COC provided does not explain what changes occurred causing discount points to increase. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Documentation received, RWT to review.; Document Uploaded. Bwr paid extension; Please see condition. | 01/26/2026 | valid COC provided; exception resolved; valid COC provided; exception resolved | 01/26/2026 | C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> C<br> A |
| 409037992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409037994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Acknowledged | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Per Deal Guide: Even if AUS findings allow a Written VOE for income and employment verification, Redwood does not allow it to be used as the sole source for verification of income and employment. W2s and/or paystubs are also required. | ; ; ; | 01/27/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds the guideline requirement, Job Stability – B1 in current job for over XXX years, B2 in current job for over XXX years, and DTI of XXX% is below the guideline requirement. | 01/27/2026 | D<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> B |
| 409037994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Acknowledged | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Per Deal Guide: Even if AUS findings allow a Written VOE for income and employment verification, Redwood does not allow it to be used as the sole source for verification of income and employment. W2s and/or paystubs are also required. | ; ; ; | 01/27/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds the guideline requirement, Job Stability – B1 in current job for over XXX years, B2 in current job for over XXX years, and DTI of XXX% is below the guideline requirement. | 01/27/2026 | D<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> B |
| 409037994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The Hazard Insurance Policy provided effective date is XX/XX/XXXX and expiration date is XXX/XXX/XXX, provide an updated policy with XXX month coverage. | ; Documentation received, RWT to review.; Document Uploaded. Please see highlight in the description. Policy effective date XX/XX/XXXX - XXX/XXX/XXX; ; | 01/27/2026 | Hazard Insurance Policy is fully present | 01/27/2026 | D<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> B |
| 409038015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Acknowledged | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. | ; | 01/22/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 75% is below the guideline requirement and DTI of XXX% is below the guideline requirement. | 01/22/2026 | D<br> B<br> A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> B |
| 409038016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Acknowledged | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing | ; | 01/22/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 75% is below the guideline requirement and DTI of XXX% is below the guideline requirement. | 01/22/2026 | D<br> B<br> A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> B |
| 409038030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing B2 is XXX by a family XXX and therefore per Guidelines transcripts are required. | ; ; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, DTI of XXX% is below the guideline requirement, and LTV of 40% is below the guideline requirement.; Borrower 2 IRS Transcripts Missing B2 is XXX by a family XXX and therefore per Guidelines transcripts are required. | 01/27/2026 | D<br> B<br> C | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> C<br> B |
| 409038030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Use of a prior appraisal regardless of the date of the prior appraisal, is not allowed per the guidelines, the appraisal was used for the prior XXX transaction and is now being used for the XXX. | ; ; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, DTI of XXX% is below the guideline requirement, and LTV of 40% is below the guideline requirement.; Property/Appraisal guideline violation: Use of a prior appraisal regardless of the date of the prior appraisal, is not allowed per the guidelines, the appraisal was used for the prior XXX transaction and is now being used for the XXX. | 01/27/2026 | D<br> B<br> C | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D<br> C<br> B |
| 409037997 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | ; Documentation received, RWT to review.; Document Uploaded. ; Please see condition. ; | 01/28/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided XXX RCE reflecting a replacement cost of XXX LM Updated. | 01/28/2026 | C<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 60% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> C |
| 409038007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% Redwood Sequoia AUS v23 max LTV for loans up to XXX is XXX% for no cash out XXX | ; Please waive this condition based on the updated overlay that allows for the LTV to exceed the Sequoia AUS guideline.; | 02/04/2026 | Audited LTV of 80% is less than or equal to Guideline LTV of 90%; Audited LTV of 80% exceeds Guideline LTV of 70% Redwood Sequoia AUS v23 max LTV for loans up to XXX is XXX% for no cash out XXX | 02/04/2026 | C<br> A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A |
| 409038007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% 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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX 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 COC. The tolerance violation is due to an increased Mortgage Recording Fee from XXX on the initial LE to XXX on the final CD. | ; Please see PCCD and LOX. Refund was issues as Lender Credit on page XXX; Comment received. In Redwood review. ; Documentation received, RWT to review.; Document Uploaded. Please see PCCD and LOX. Refund was issues as Lender Credit on page XXX | 02/03/2026 | PCCD with cure was provided prior to TPR review, exception resolved; PCCD with cure was provided prior to TPR review, exception resolved; Cure package provided was missing a copy of the check, will downgrade upon receipt of the check | 02/03/2026 | C<br> A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A |
| 409038005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80.06% exceeds Guideline LTV of 80% Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. | ; Can you please waive this LTV finding per overlay the LTV can be outside the Sequoia/AUS guidelines. ; | 02/05/2026 | Audited LTV of 79.93% is less than or equal to Guideline LTV of 90%; Audited LTV of 80.06% is less than or equal to Guideline LTV of 90%; Audited LTV of 80.06% exceeds Guideline LTV of 80% Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. | 02/05/2026 | D<br> B<br> C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Required for First-Time Homebuyer. | ; Can you please waive the below condition for a B grade? Comp Factors: XXX FICO exceeds guideline requirement, Job Stability – XXX for over two years in the current job and XXX years in the same line of work, and DTI of XXX% is well below the guideline requirement. ; | 02/05/2026 | ; Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, Job Stability – XXX for over two years in the current job and XXX years in the same line of work, and DTI of XXX% is well below the guideline requirement.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Required for First-Time Homebuyer. | 02/05/2026 | D<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves | ; Can you please waive this reserve finding per overlay reserve requirements can be outside the Sequoia/AUS guidelines. ; | 02/05/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves | 02/05/2026 | D<br> B<br> C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves | ; Please cancel this duplicate condition. ; | 02/05/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves ; Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Interested Party Contributions XXX exceed XXX by $XXX. Sales Price of XXX reduced by the excess amount of XXX is $XXX. This in turn increases LTV > XXX% which requires XXX months or reserves. Audited reserves are less than guideline requirement (The required asset does appear the borrower is shortage of XXX in required reserves, Additional Assets from the borrower to meet the Guideline Required Reserves | 02/05/2026 | D<br> B<br> C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCOM3813 | Credit | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (Regulation Z) 12 CFR XXX(a)(XXX)(vii) | ; Can you please review the Final CD as I am seeing that the sales price matches what is on the XXX Contract. ; | 02/05/2026 | The sales price on the XXX Contract and Final CD match. | 02/05/2026 | D<br> B<br> C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409037995 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Acknowledged | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Borrower 1: XXX-years W2s provided, but paystub(s) with current YTD earnings are missing.  | ; | 01/26/2026 | Acknowledged per client request via email. Client accepts risk for B grade confirming that the loan file contains WVOE and W2s. In addition, the following three XXX compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 80% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Borrower 1 Paystubs Missing Borrower 1: XXX-years W2s provided, but paystub(s) with current YTD earnings are missing.  | 01/26/2026 | D<br> B<br> A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D<br> B |
| 409038006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409037996 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR for current OO for the amount of XXX is missing from the file. | ; | 01/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, Job stability – Borrower in current job for over five years, and DTI of XXX% is below the guideline requirement.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR for current OO for the amount of XXX is missing from the file. | 01/28/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D<br> B |
| 409038003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing Tax Returns are not signed, and tax transcripts were not provided for review. |  | 01/29/2026 | Acknowledged per client request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 80% is below the guideline requirement, and Job Stability B1- over XXX years and B2 over XXX years, DTI of XXX% is below the guideline requirement.; Borrower 2 IRS Transcripts Missing Tax Returns are not signed, and tax transcripts were not provided for review. | 01/29/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D<br> B |
| 409038003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Tax Returns are not signed, and tax transcripts were not provided for review. |  | 01/29/2026 | Acknowledged per client request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 80% is below the guideline requirement, and Job Stability B1- over XXX years and B2 over XXX years, DTI of XXX% is below the guideline requirement.; Borrower 1 IRS Transcripts Missing Tax Returns are not signed, and tax transcripts were not provided for review. | 01/29/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D<br> B |
| 409038009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. W-2's are required per lender overlays. | ; Can you waive the following condition for a B grade? Comp factors: XXX FICO exceeds guideline requirement, LTV of 70% is below the guideline requirement, Job Stability – Borrower has been with XXX for over XXX years, and DTI of XXX% is below the guideline requirement.; | 01/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 70% is below the guideline requirement, Job Stability – Borrower has been with XXX for over XXX years, and DTI of XXX% is below the guideline requirement.; Borrower 1 W2/1099 Missing. W-2's are required per lender overlays. | 01/30/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D<br> B |
| 409038002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE1764 | Credit | Missing Verification of Mortgage | Provide Heloc Loan Agreement and withdrawal/current balance/Required monthly payment Statement for Symmetry (Could be Cenlar) New lien against XXX. | ; Documentation received, RWT to review.; Document Uploaded. ; | 02/02/2026 | Client provided HELOC Agreement, Mortgage Statement and Final Settlement Statement for XXX. LM Updated. | 02/02/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A<br> D |
| 409038025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Acknowledged | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/1099 Missing. Loan approved with only WVOE, W2s required per Redwood guidelines. | ; Can you waive the following condition for a B grade? Comp factors: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Can you please satisfy this condition? The AUS did not require paystubs and W2s therefore the WVOE that confirms YTD income for XXX years is sufficient. ; | 02/03/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Per Redwood guidelines, Paystubs/W2s required. ; Borrower 2 W2/1099 Missing. Loan approved with only WVOE, W2s required per Redwood guidelines. | 02/03/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.05% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Acknowledged | FCRE1360 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing Loan approved with only WVOE, paystub required per Redwood guidelines. | ; Can you waive the following condition for a B grade? Comp factors: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Can you please satisfy this condition? The AUS did not require paystubs and W2s therefore the WVOE that confirms YTD income for XXX years is sufficient. ; | 02/03/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Per Redwood guidelines, Paystubs/W2s required. ; Borrower 2 Paystubs Missing Loan approved with only WVOE, paystub required per Redwood guidelines. | 02/03/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.05% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Acknowledged | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Loan approved with only WVOE, W2s required per Redwood guidelines. | ; Can you waive the following condition for a B grade? Comp factors: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Can you please satisfy this condition? The AUS did not require paystubs and W2s therefore the WVOE that confirms YTD income for XXX years is sufficient. ; | 02/03/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Per Redwood guidelines, Paystubs/W2s required. ; Borrower 1 W2/1099 Missing. Loan approved with only WVOE, W2s required per Redwood guidelines. | 02/03/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.05% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Acknowledged | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Loan approved with only WVOE, paystub required per Redwood guidelines. | ; Can you waive the following condition for a B grade? Comp factors: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; ; Can you please clear this condition? The AUS did not require paystubs and W2s therefore the WVOE that confirms YTD income for XXX years is sufficient. ; ; | 02/03/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO exceeds guideline requirement, LTV of 67.05% is below the guideline requirement, and DTI of XXX% is below the guideline requirement.; Per Redwood guidelines, Paystubs/W2s required. ; Borrower 1 Paystubs Missing Loan approved with only WVOE, paystub required per Redwood guidelines. | 02/03/2026 | D<br> B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.05% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 90%<br> A<br> D<br> B |
| 409038013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 409038018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 3569993508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.15% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3569993508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.15% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3569993508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.15% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3571725466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The Initial 1003 is Missing | Please page XXX The document was already included in the loan file. | 01/16/2026 | The Initial 1003 is Present | 01/16/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3571725466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3571725466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3572391252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.74% is less than Guideline CLTV of 89.99%<br> A |
| 3572391252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.74% is less than Guideline CLTV of 89.99%<br> A |
| 3572391252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.74% is less than Guideline CLTV of 89.99%<br> A |
| 3572534046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.6% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3572534046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.6% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3572534046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.6% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3573675857 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3573675857 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3573675857 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3574081574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.01% is less than Guideline CLTV of 89.99%<br> A |
| 3574081574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.01% is less than Guideline CLTV of 89.99%<br> A |
| 3574081574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.01% is less than Guideline CLTV of 89.99%<br> A |
| 3574090966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574090966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574090966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574177708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. No ID nor SSA forms located in file | Document Uploaded. Please see attached signature name affidavits signed by the notary to confirm the identity. Note that one of them is a power of XXX for XXX | 01/16/2026 | Photo Identification provided. | 01/19/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D |
| 3574177708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE0388 | Credit | Borrower 3 Photo Identification not provided | Borrower XXX Photo Identification not provided. No ID nor SSA forms located in file | Please see attached signature name affidavits signed by the notary to confirm the identity. Note that one of them is a power of XXX for XXX | 01/16/2026 | Photo Identification provided. | 01/19/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D |
| 3574177708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D |
| 3574177708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> D |
| 3574375863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574375863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574375863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574529229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.32% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.32% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574529229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.32% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.32% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3574529229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.32% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.32% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575098300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/15/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/15/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.6% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.6% is less than Guideline CLTV of 85%<br> C<br> A |
| 3575098300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.6% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.6% is less than Guideline CLTV of 85%<br> C<br> A |
| 3575098300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.6% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.6% is less than Guideline CLTV of 85%<br> C<br> A |
| 3575172627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Provide Missing B2's W-2's for XXX and XXX The W2s in the file are blank. Borrower 2 W2/1099 Missing. | Document Uploaded. Please see the XXX and XXX W2's for B2. | 01/15/2026 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | 01/16/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3575172627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3575172627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.78% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.78% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3575367929 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.85% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.85% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575367929 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.85% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.85% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575367929 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.85% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.85% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575386812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575386812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575386812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575563774 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575563774 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575563774 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575709786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575709786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575709786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575723616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575723616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575723616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575813513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575813513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575813513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575832512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575832512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575832512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3575927759 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575927759 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3575927759 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576100396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576100396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576100396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576104289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM3849 | 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 XXX(a)(XXX)). Documentation required to clear exception: Please provide Evidence of Appraisal delivery in a timely manner. | Document Uploaded. Please see attached confirming the appraisal was delivered. | 01/15/2026 | Evidence of appraisal delivery provided. | 01/15/2026 | B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 3576104289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 3576104289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | B<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 3576167340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Per REO Statement pg.XXX Investment (XXX) full P&I = XXX per month. Lender used XXX per month thus causing variance in DTI. Will proceed with full amount XXX per month. DTI remains under threshold XXX% | Document Uploaded. Please see attached updated AUS, 1003, and XXX | 01/16/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 01/19/2026 | C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> C |
| 3576167340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> C |
| 3576167340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | C<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> C |
| 3576413955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation required to clear exception: TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% Tolerance violation in the amount of XXX is due to the increase in Appraisal on LE XX/XX/XXXX from XXX to XXX No COC provided. | Document Uploaded. Please see the attached appraisal order summary noting a rush request which is a valid cic for the increase in the appraisal fee. | 01/15/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 01/15/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3576413955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. Because the loan failed the Final LE delivery date test due to no confirmation of receipt, any values that would be under a valid COC on page XXX will not be considered valid for tolerance purposes. Initial Credit decrease was on XXX/XXX/XXX, no COC provided. Proof of receipt of Final LE or Valid COC for XX/XX/XXXX for the initial Credit decrease required to cure exception. | Document Uploaded. The XX/XX/XXXX LE noting LPC of XXX was not locked therefore the credits were not binding. The first locked LE, disclosed XX/XX/XXXX (attached) notes the binding LPC of XXX | 01/15/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/15/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3576413955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE XX/XX/XXXX at least XXX days prior to closing. | Document Uploaded. Please see the attached screenshot from the internal LOS showing the borrower viewed the Final LE online. Website FYI denoted the date and time the borrower viewed the LE. | 01/15/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/15/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3576413955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3576413955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | C<br> A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3576527151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.92% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.92% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576527151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.92% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.92% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576527151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | A | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.92% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.92% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576615492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576615492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576615492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.34% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.34% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3576665521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3576665521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3576665521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 3576708498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576708498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576708498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.13% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.13% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576876376 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Page XXX of Final Closing disclosure is missing from the file. | Document Uploaded. Please see attached, page XXX of the CD as requested. | 01/15/2026 | TRID: Final Closing Disclosure Provided | 01/15/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 3576876376 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 3576876376 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | D<br> A | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 3576888773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576888773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576888773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576967725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576967725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3576967725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3577039765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3577039765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3577039765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 3577226086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing | Document Uploaded. Please see the attached signed 4506C for primary borrower. | 01/15/2026 | Borrower 1 Executed XXX-T Provided | 01/15/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.25% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.25% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3577226086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.25% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.25% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3577226086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | D<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.25% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.25% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A<br> D |
| 3577490222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.87% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.87% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3577490222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.87% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.87% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3577490222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | A | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.87% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.87% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 3577707123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed due to the fact the disclosure was not acknowledged on the Evidentiary Document, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 01/15/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/15/2026 | C<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.55% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3577707123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | C<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.55% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3577707123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | C<br> A | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.55% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 3577930900 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. Lender Credits of XXX were added to the Initial CD dated XX/XX/XXXX in the form of Lender paying the Appraisal Review fee. Then on the Final CD dated XXX/XXX/XXX, the fee is showing as being paid by the borrower. | Please see attached, Cure of XXX as requested | 01/20/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 01/27/2026 | C<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 3577930900 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3634 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points and from XXX to XXX for the Mortgage Broker Fee and the Appraisal Review fee was added as being paid by lender.. The file did contain the COC dated XX/XX/XXXX on page XXX; however, because the loan failed the Revised LE Delivery date test for XXX/XXX/XXX, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Therefore, the increase to the Points - Loan Discount Fee and the Mortgage Broker Fee on XX/XX/XXXX - fees did not reset baseline. The COC in the file does not mention the addition of the Appraisal review fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Document Uploaded. Please see uploaded documents. We have a valid CIC for the inclusion of the appraisal fee. We do not have a valid CIC for the removal of the LC on the appraisal fee. We have cured for the removal of the credit and attached the relevant screenshots confirming the CIC. ; Document Uploaded. Please see attached, Cure of XXX as requested; Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/22/2026 | Valid COC provided; exception resolved; Cure package applied to Lender credit tolerance violation for $XXX. Please provide COC for addition of appraisal review fee on CD XX/XX/XXXX or additional cure package for $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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Updated cure amount to XXX there is no COC for the addition of the appraisal review fee.; 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Updated cure amount to XXX there is no COC for the addition of the appraisal review fee.; | 01/23/2026 | C<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 3577930900 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed due to the fact the disclosure was not acknowledged on the Evidentiary Document, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 01/15/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/15/2026 | C<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 3577930900 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | C<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 3577930900 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | C<br> B<br> A | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409038014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A |
| 3570455432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3570455432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3570455432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3570475875 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | XXX is XXX but XXX Contract Doc is Incomplete The Addendum to the sales contract was provided, the actual sales contract is not in the file | Document Uploaded. Please see attached, XXX agreement as requested. | 01/20/2026 | XXX Contract Doc is complete. | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3570475875 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3570475875 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI discrepancy due to Documented Monthly Income of $XXX. Lender submitted B1's income as XXX which is not supported by documentation. |  |  | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI discrepancy due to Documented Monthly Income of $XXX. Lender submitted B1's income as XXX which is not supported by documentation. | Document Uploaded. Please see the attached self employment calculation. | 01/20/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The required number of months (Primary XXX months and XXX months for REO) reserves are to be seasoned does not meet Guideline requirement. Borrower is selling another property; need documentation to support the property sold and funds were provided to close on subject loan. | Please see the attached final ALTA for the sale of the non-subject property. | 01/20/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE1198 | 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) The required number of months (Primary XXX months and XXX months for REO) reserves are to be seasoned does not meet Guideline requirement. Borrower is selling another property; need documentation to support the property sold and funds were provided to close on subject loan. | Please see the attached final ALTA for the sale of the non-subject property. | 01/20/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Borrower is selling another property; need documentation to support the property sold and funds were provided to close on subject loan. | Document Uploaded. Please see the attached final ALTA for the sale of the non-subject property. | 01/20/2026 | Funds are found to meet guidelines. | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. Please see the attached third party self employment verification. | 01/20/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 3575284631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.93% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 3575643001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575643001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575643001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575729478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575729478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575729478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575918437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575918437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3575918437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576419127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576419127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576419127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576975522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.9% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.9% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576975522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.9% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.9% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576975522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.9% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.9% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577864532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3577864532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3577864532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3568329596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Cure of XXX required due to Lender credit decreased from XXX on LE XX/XX/XXXX to XXX on LE XX/XX/XXXX without a valid COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Please see the XX/XX/XXXX LE referenced. The rate was not locked at the time. Pricing is subject to change without valid CIC if the rate pricing is unlocked. | 02/02/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3568329596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3568329596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | A<br> C |
| 3568412689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3568412689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3568412689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3568929065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.42% is less than Guideline LTV of 89.99%<br> A | A |
| 3568929065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.42% is less than Guideline LTV of 89.99%<br> A | A |
| 3568929065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.42% is less than Guideline LTV of 89.99%<br> A | A |
| 3569270022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The loan file is missing the settlement Statement of the REO property at XXX. Pending sale. | Please see the final settlement Statement attached for XXX | 02/02/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.81% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.81% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3569270022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE1198 | 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) | Please see the final settlement Statement attached for XXX | 02/02/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.81% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.81% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3569270022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Asset documentation supported does not meet guidelines requirement to do negative post close. The loan file is missing the settlement Statement of the REO property at XXX. | Document Uploaded. Please see the final settlement Statement attached for XXX | 02/02/2026 | Funds are found to meet guidelines.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Asset documentation supported does not meet guidelines requirement to do negative post close. The loan file is missing the settlement Statement of the REO property at XXX La Costa. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.81% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.81% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3569270022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.81% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.81% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3569270022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.81% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.81% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3572551016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.8% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3572551016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.8% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3572551016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.8% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.8% is less than Guideline LTV of 89.99%<br> A | A |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | Document Uploaded. Please see the attached additional Statements used to calculate the RSU Income. | 02/05/2026 | Lender provided RSU Exercise documents confirming the borrower is vested. Added RSU Income.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A<br> C | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | Document Uploaded. Please see the attached additional Statements used to calculate the RSU Income. | 02/05/2026 | Lender provided RSU Exercise documents confirming the borrower is vested. Added RSU Income.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A<br> C | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence of vesting % of borrowers RSU income. The XXX shows XXX years of RSD calculated but proof of only two years was provided. Please provide the additional proof for the calculations. | Document Uploaded. Please see the attached additional Statements used to calculate the RSU Income. | 02/05/2026 | Lender provided RSU Exercise documents confirming the borrower is vested. Added RSU Income.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Missing evidence of vesting % of borrowers RSU income. The XXX shows XXX years of RSD calculated but proof of only two years was provided. Please provide the additional proof for the calculations. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A<br> C | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | Document Uploaded. Please see the attached additional Statements used to calculate the RSU Income. | 02/05/2026 | Lender provided RSU Exercise documents confirming the borrower is vested. Added RSU Income.; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Lender qualified the borrower using the following income XXX (Base XXX + Bonus income $XXX). Audit verified XXX (Base income XXX +Bonus income $XXX) An income variance of $XXX. DTI will increase due to the difference in bonus income. Monthly housing expenses $XXX/$XXX=XXX% DTI on the front end. Total monthly obligations XXX + other reo XXX + other debt $XXX=$XXX/total income $XXX= XXX% DTI. Missing evidence of vesting % of borrowers RSU income so unable to use. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A<br> C | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of XXX monthly HOA or other expense listed on the Final 1003 for REO: XXX | Document Uploaded. Please see the attached HOA association fee verification. | 02/03/2026 | HOA doc provided for XXX (less than lender's amount of XXX per month, but leaving as more conservative). | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3573421043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> D<br> A | A<br> D |
| 3573479232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.81% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573479232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.81% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573479232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.81% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573511550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573511550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573511550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3573879902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573879902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3573879902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574148448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574148448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574148448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3574174094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required: The file is missing the Initial Escrow Account Disclosure | Unable to Resolve-Seller acknowledges exception, no change to grading. | 02/02/2026 | Acknowledged as 2/B grading per client request | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3574174094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3574174094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3574502220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.33% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.33% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574502220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.33% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.33% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574502220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.33% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.33% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574546592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3574546592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3574546592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3574621149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.12% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.12% is less than Guideline LTV of 80%<br> A | A |
| 3574621149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.12% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.12% is less than Guideline LTV of 80%<br> A | A |
| 3574621149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.12% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.12% is less than Guideline LTV of 80%<br> A | A |
| 3574705514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.02% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.02% is less than Guideline CLTV of 75%<br> A | A |
| 3574705514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.02% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.02% is less than Guideline CLTV of 75%<br> A | A |
| 3574705514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.02% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.02% is less than Guideline CLTV of 75%<br> A | A |
| 3574982256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574982256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574982256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3574984642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574984642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3574984642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575385356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.17% is less than Guideline LTV of 89.99%<br> A | A |
| 3575385356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.17% is less than Guideline LTV of 89.99%<br> A | A |
| 3575385356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.17% is less than Guideline LTV of 89.99%<br> A | A |
| 3575471549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575471549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575471549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575474186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the CD dated XX/XX/XXXX to XXX on the final CD dated XXX/XXX/XXX. | Please see page XXX of the loan file. The CIC for the change in LC was lowering the loan amount. This confirms lowering the LC to XXX | 02/03/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 02/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3575474186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Documentation required to clear exception. The Initial Loan Estimate dated is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX. Additional conditions may apply. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he crXXX 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 crXXX receives the consumer's application. | Document Uploaded. Please see uploaded document, Intial LE as requested. | 02/03/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 02/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3575474186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3575474186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3575480600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. Please see the attached redisclosure package with cure. | 02/03/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3575480600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Document required to clear exception: Proof of delivery/receipt of Revised LE issued XX/XX/XXXX at least XXX business days prior to closing. | Document Uploaded. Please see the attached evidence of le acknowledgment. The Website FYi is the borrower acknowledging receipt, and the outstanding status is the date/time the LE was provided/disclosed. | 02/02/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3575480600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3575480600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.54% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3575531061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> A | A |
| 3575531061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> A | A |
| 3575531061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> A | A |
| 3575809872 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99%<br> A | A |
| 3575809872 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99%<br> A | A |
| 3575809872 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99%<br> A | A |
| 3575813692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the CD dated XX/XX/XXXX to XXX on the final CD dated XXX/XXX/XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the cure redisclosure pkg attached curing XXX for both the removal and lender credit and the addition of the fee without a valid CIC | 02/04/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575813692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the XX/XX/XXXX LE to XXX on the final CD dated XX/XX/XXXX for the appraisal review fee. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see the cure redisclosure pkg attached curing XXX for both the removal and lender credit and the addition of the fee without a valid CIC | 02/04/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575813692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575813692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3575904438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575904438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575904438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575911947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX S Promenade - Tax cert is missing | Please see page XXX where its located. | 02/03/2026 | Found on page XXX | 02/05/2026 | D<br> A | A<br> D |
| 3575911947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 3575911947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A<br> D |
| 3575984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575984194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3575999765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575999765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3575999765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A |
| 3576007566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD dated XXX. | The loan closed with XXX in itemized lender credits and a principal curtailment of $XXX. Lender credits do not appear to have been reduced. Please review most recent CD addendum and page XXX of XXX of final cd. | 02/03/2026 | Lender provided principal reduction on final CD, exception resolved.; Lender provided principal reduction on final CD, exception resolved. | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576007566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576007566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.56% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.56% is less than Guideline LTV of 89.99%<br> C<br> A | A<br> C |
| 3576012628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Policy Amount XXX per the title commitment. | Unable to Resolve-Seller acknowledges exception, no change in grading | 02/02/2026 | Acknowledged as 2/B grading per client request | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.21% is less than Guideline LTV of 89.99%<br> B<br> A | A<br> B |
| 3576012628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.21% is less than Guideline LTV of 89.99%<br> B<br> A | A<br> B |
| 3576012628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.21% is less than Guideline LTV of 89.99%<br> B<br> A | A<br> B |
| 3576095668 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.64% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.64% is less than Guideline LTV of 89.99%<br> A | A |
| 3576095668 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.64% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.64% is less than Guideline LTV of 89.99%<br> A | A |
| 3576095668 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.64% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.64% is less than Guideline LTV of 89.99%<br> A | A |
| 3576110142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required: Refund in the amount of XXX The lender credit decreased from XXX on the initial CD to XXX on the final CD. Cure package requires a valid COC, PCCD or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. Please see uploaded documents, Cure check, PCCD, LOX and evidence of delivery. | 02/03/2026 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3576110142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3576110142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C<br> B<br> A | A<br> C<br> B |
| 3576155812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.21% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576155812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.21% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576155812 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.21% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.21% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576249433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required: Provide proof of delivery/receipt of Revised LE issued XX/XX/XXXX was at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 02/03/2026 | Delivery date provided; Exception resolved | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3576249433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3576249433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A<br> C |
| 3576249930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3576249930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3576249930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> A | A |
| 3576336306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576336306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576336306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576350489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Other Finding added for additional funds to close. The loan file is missing the pending reo sale property settlement Statement. Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Other Finding added for additional funds to close. The loan file is missing the pending reo sale property settlement Statement. | Final alta provided. | 02/02/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576350489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE1198 | 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) Other Finding added for additional funds to close | Final alta provided. | 02/02/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576350489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Auditor unable to locate proof of funds from pending sale of property located at XXX. Please provide proof of additional funds to close. | Document Uploaded. Please see the attached final alta for the non subject. | 02/02/2026 | Funds are found to meet guidelines. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576350489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. No receipt date available for XX/XX/XXXX revised loan estimate. | Document Uploaded. Please see the attached screenshot from the internal LOS showing the borrower viewed the LE on XXX/XXX/XXX. | 02/02/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576350489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A<br> C |
| 3576384834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.47% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.47% is less than Guideline LTV of 89.99%<br> A | A |
| 3576384834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.47% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.47% is less than Guideline LTV of 89.99%<br> A | A |
| 3576384834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.47% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.47% is less than Guideline LTV of 89.99%<br> A | A |
| 3576421070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.71% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576421070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.71% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576421070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.71% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576613608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.89%<br> A | A |
| 3576613608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.89%<br> A | A |
| 3576613608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.89%<br> A | A |
| 3576615761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.35% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.35% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576615761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.35% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.35% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576615761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.35% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.35% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3576729154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Acknowledged | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date crXXX received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot 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. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to confirm the disclosure was sent within the XXX days of application. The HOC disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XXX/XXX/XXX. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 02/02/2026 | Acknowledged as 2/B grading per client request | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576729154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576729154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576769000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.63% is less than Guideline LTV of 89.99%<br> A | A |
| 3576769000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.63% is less than Guideline LTV of 89.99%<br> A | A |
| 3576769000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.63% is less than Guideline LTV of 89.99%<br> A | A |
| 3576794157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | 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 XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Unable to Resolve-Seller acknowledges exception, no change in grading | 02/02/2026 | Acknowledged as 2/B grading per client request | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576794157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576794157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3576796357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.57% is less than Guideline LTV of 89.99%<br> A | A |
| 3576796357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.57% is less than Guideline LTV of 89.99%<br> A | A |
| 3576796357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.57% is less than Guideline LTV of 89.99%<br> A | A |
| 3576948006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.52% is less than Guideline LTV of 89.99%<br> A | A |
| 3576948006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.52% is less than Guideline LTV of 89.99%<br> A | A |
| 3576948006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.52% is less than Guideline LTV of 89.99%<br> A | A |
| 3576982667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576982667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3576982667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A |
| 3577045017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577045017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577045017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577113133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577113133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577113133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A |
| 3577121273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Acknowledged | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date crXXX received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot 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. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The Homeownership counseling organizations disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XXX/XXX/XXX. | Unable to Resolve-Seller acknowledges exception, no change in grading ; Document Uploaded. Please see the cure redisclosure pkg attached curing XXX for both the removal and lender credit and the addition of the fee without a valid CIC ; Please review pg305 which contains the Loan Disclosure Summary e-signed XXX/XXX. This is the same date the initial 1003 was taken so there is no material issue. Please note the difference in definition of TRID application which is the point at which we obtain the sixth required data element, and the only obligation is to issue a Loan Estimate-which was completed XXX/XXX. | 02/05/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading; Will need the full Homeownership Counseling Disclosure per the CFPB; 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. Page XXX in file dated XX/XX/XXXX and esigned XX/XX/XXXX and does not meet timing requirements.; Will need the full Homeownership Counseling Disclosure per the CFPB; 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. Page XXX in file dated XX/XX/XXXX and esigned XX/XX/XXXX and does not meet timing requirements. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.86% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.86% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3577121273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The Initial CD dated XX/XX/XXXX added the appraisal review fee and disclosed the fee to be paid by lender; on the Final CD dated XX/XX/XXXX the XXX Appraisal Review Fee was paid by borrower and no longer a lender credit. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the cure redisclosure pkg attached curing XXX for both the removal and lender credit and the addition of the fee without a valid CIC | 02/04/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.86% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.86% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3577121273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee on the CD dated XXX/XXX/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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see the cure redisclosure pkg attached curing XXX for both the removal and lender credit and the addition of the fee without a valid CIC | 02/04/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.86% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.86% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3577121273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.86% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.86% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3577121273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.86% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.86% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A<br> C<br> B |
| 3577131758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Identity verification and acknowledgment certification not signed. | Document Uploaded. Please see the attached ID card. | 02/05/2026 | Photo Identification provided.; Borrower 1 Photo Identification not provided. Identity verification and acknowledgment certification not signed. | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> C<br> D |
| 3577131758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Revised LE issued XX/XX/XXXX at least XXX days prior to closing. | Document Uploaded. Please see the attached loan estimate verification. Website FYI is the date/time the acknowledgment from borrower occurred; and outstanding record is XX/XX/XXXX which is the date/time the LE was created. | 02/03/2026 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 02/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A<br> C<br> D |
| 3577131758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A<br> C<br> D |
| 3577196924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Prelim title does not cover the loan amount of XXX | Unable to Resolve-Seller acknowledges. No change to grading. | 02/03/2026 | Confirmed : Unable to Resolve-Seller acknowledges. No change to grading.; Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Prelim title does not cover the loan amount of XXX | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.17% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3577196924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.17% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |
| 3577196924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.17% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.17% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | A<br> B |

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## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1225357176 |  |  | $XXXXXX<br> C<br> A |
| 255347273 |  |  | $XXXXXX<br> C<br> A |
| 1225506148 |  |  | $XXXXXX<br> D<br> A |
| 1480053864 |  |  | $XXXXXX<br> C<br> A<br> B |
| 1225488009 |  |  | $XXXXXX<br> C<br> A |
| 1143889A |  |  | $XXXXXX<br> D<br> A |
| 980121318881 |  |  | $XXXXXX<br> C<br> A |
| 1034000381399 |  |  | $XXXXXX<br> C<br> A |
| 1225657564 |  |  | $XXXXXX<br> C<br> A |
| 4256179496 |  |  | $XXXXXX<br> C<br> A |
| 1525289010 |  |  | $XXXXXX<br> C<br> A |
| 1034000388449 |  |  | $XXXXXX<br> C<br> A<br> B |
| 126285764 |  |  | $XXXXXX<br> C<br> A |
| 255399627 |  |  | $XXXXXX<br> C<br> A |
| 255395334 |  |  | $XXXXXX<br> C<br> A |
| 4256182136 |  |  | $XXXXXX<br> C<br> A |
| 1225672402 |  |  | $XXXXXX<br> C<br> A |
| 980121347253 |  |  | $XXXXXX<br> C<br> A |
| 1034000440998 |  |  | $XXXXXX<br> C<br> A |
| 3569299412 |  |  | $XXXXXX<br> A |
| 3573420046 |  |  | $XXXXXX<br> A |
| 3567804663 |  |  | $XXXXXX<br> A |
| 3572432018 |  |  | $XXXXXX<br> A |
| 3573151885 |  |  | $XXXXXX<br> A |
| 3573984820 |  |  | $XXXXXX<br> D<br> A |
| 3574354709 |  |  | $XXXXXX<br> A |
| 3574609829 |  |  | $XXXXXX<br> A |
| 3574894979 |  |  | $XXXXXX<br> A<br> C |
| 3575072379 |  |  | $XXXXXX<br> C<br> A |
| 3575158735 |  |  | $XXXXXX<br> D<br> A |
| 3575273057 |  |  | $XXXXXX<br> A |
| 3575366304 |  |  | $XXXXXX<br> A |
| 3575445591 |  |  | $XXXXXX<br> A |
| 3559728562 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3567992553 |  |  | $XXXXXX<br> A |
| 3570984194 |  |  | $XXXXXX<br> A |
| 3571953577 |  |  | $XXXXXX<br> A<br> C |
| 3572091817 |  |  | $XXXXXX<br> A<br> C |
| 3572450632 |  |  | $XXXXXX<br> A |
| 3572631400 |  |  | $XXXXXX<br> B<br> D<br> C<br> A |
| 3573031893 |  |  | $XXXXXX<br> A |
| 3573104650 |  |  | $XXXXXX<br> A |
| 3573311643 |  |  | $XXXXXX<br> A |
| 3573332421 |  |  | $XXXXXX<br> A |
| 3573851001 |  |  | $XXXXXX<br> A |
| 3574068744 |  |  | $XXXXXX<br> A<br> C |
| 3574497078 |  |  | $XXXXXX<br> A |
| 3574913256 |  |  | $XXXXXX<br> A |
| 3575085822 |  |  | $XXXXXX<br> D<br> A |
| 3575341487 |  |  | $XXXXXX<br> A |
| 3575549584 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3575727972 |  |  | $XXXXXX<br> A |
| 3575818911 |  |  | $XXXXXX<br> D<br> A |
| 3575999147 |  |  | $XXXXXX<br> C<br> A |
| 3576006542 |  |  | $XXXXXX<br> D<br> C<br> A |
| 3576239886 |  |  | $XXXXXX<br> A |
| 3576259575 |  |  | $XXXXXX<br> A<br> C |
| 3576332589 |  |  | $XXXXXX<br> A |
| 3576339747 |  |  | $XXXXXX<br> A<br> D<br> B |
| 3567534826 |  |  | $XXXXXX<br> A |
| 3568261359 |  |  | $XXXXXX<br> C<br> A |
| 3569900251 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3572453967 |  |  | $XXXXXX<br> A |
| 3572714506 |  |  | $XXXXXX<br> A |
| 3572892462 |  |  | $XXXXXX<br> A |
| 3573132508 |  |  | $XXXXXX<br> A |
| 3574051359 |  |  | $XXXXXX<br> D<br> C<br> A |
| 3574068613 |  |  | $XXXXXX<br> A |
| 3574273237 |  |  | $XXXXXX<br> A |
| 3574462826 |  |  | $XXXXXX<br> A |
| 3574535081 |  |  | $XXXXXX<br> A |
| 3574708005 |  |  | $XXXXXX<br> A |
| 3574737920 |  |  | $XXXXXX<br> C<br> A |
| 3574810346 |  |  | $XXXXXX<br> A |
| 3574842369 |  |  | $XXXXXX<br> A |
| 3575171252 |  |  | $XXXXXX<br> B<br> C<br> A |
| 3575363210 |  |  | $XXXXXX<br> A |
| 3575475881 |  |  | $XXXXXX<br> A |
| 3575601685 |  |  | $XXXXXX<br> A |
| 3575624462 |  |  | $XXXXXX<br> A |
| 3575692217 |  |  | $XXXXXX<br> C<br> A |
| 3575716684 |  |  | $XXXXXX<br> D<br> A |
| 3575727743 |  |  | $XXXXXX<br> A |
| 3576007524 |  |  | $XXXXXX<br> A |
| 3576012459 |  |  | $XXXXXX<br> A |
| 3576209730 |  |  | $XXXXXX<br> A |
| 3576217677 |  |  | $XXXXXX<br> A |
| 3576237666 |  |  | $XXXXXX<br> A |
| 3576336172 |  |  | $XXXXXX<br> D<br> C<br> A |
| 3576350678 |  |  | $XXXXXX<br> A |
| 3576414879 |  |  | $XXXXXX<br> A<br> C |
| 3576569687 |  |  | $XXXXXX<br> A |
| 3576736574 |  |  | $XXXXXX<br> A |
| 3577220293 |  |  | $XXXXXX<br> A |
| 3577400740 |  |  | $XXXXXX<br> A |
| 409038019 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038021 | XXXXX |  | $XXXXXX<br> A<br> C |
| 409038024 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409037991 | XXXXX |  | $XXXXXX<br> A |
| 409037999 | XXXXX |  | $XXXXXX<br> A<br> C |
| 409037992 | XXXXX |  | $XXXXXX<br> A |
| 409038011 | XXXXX |  | $XXXXXX<br> A |
| 409037994 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038015 | XXXXX |  | $XXXXXX<br> A |
| 409038016 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038030 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 409037997 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409038007 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409038005 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409037995 | XXXXX |  | $XXXXXX<br> A |
| 409038031 | XXXXX |  | $XXXXXX<br> A |
| 409038008 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038006 | XXXXX |  | $XXXXXX<br> A |
| 409037996 | XXXXX |  | $XXXXXX<br> A |
| 409038023 | XXXXX |  | $XXXXXX<br> A |
| 409038004 | XXXXX |  | $XXXXXX<br> A |
| 409038001 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038003 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038009 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038002 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409038025 | XXXXX |  | $XXXXXX<br> A |
| 409038022 | XXXXX |  | $XXXXXX<br> A |
| 409038000 | XXXXX |  | $XXXXXX<br> A |
| 409038027 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409038013 | XXXXX |  | $XXXXXX<br> A |
| 409038018 | XXXXX |  | $XXXXXX<br> A |
| 3569993508 |  |  | $XXXXXX<br> A |
| 3571725466 |  |  | $XXXXXX<br> D<br> A |
| 3572391252 |  |  | $XXXXXX<br> A |
| 3572534046 |  |  | $XXXXXX<br> A |
| 3573675857 |  |  | $XXXXXX<br> A |
| 3574081574 |  |  | $XXXXXX<br> A |
| 3574090966 |  |  | $XXXXXX<br> A |
| 3574177708 |  |  | $XXXXXX<br> D<br> A |
| 3574375863 |  |  | $XXXXXX<br> A |
| 3574529229 |  |  | $XXXXXX<br> A |
| 3575098300 |  |  | $XXXXXX<br> A<br> C |
| 3575172627 |  |  | $XXXXXX<br> D<br> A |
| 3575367929 |  |  | $XXXXXX<br> A |
| 3575386812 |  |  | $XXXXXX<br> A |
| 3575563774 |  |  | $XXXXXX<br> A |
| 3575709786 |  |  | $XXXXXX<br> A |
| 3575723616 |  |  | $XXXXXX<br> A |
| 3575813513 |  |  | $XXXXXX<br> A |
| 3575832512 |  |  | $XXXXXX<br> A |
| 3575927759 |  |  | $XXXXXX<br> A |
| 3576100396 |  |  | $XXXXXX<br> A |
| 3576104289 |  |  | $XXXXXX<br> A<br> B |
| 3576167340 |  |  | $XXXXXX<br> C<br> A |
| 3576413955 |  |  | $XXXXXX<br> A<br> C |
| 3576527151 |  |  | $XXXXXX<br> A |
| 3576615492 |  |  | $XXXXXX<br> A |
| 3576665521 |  |  | $XXXXXX<br> A |
| 3576708498 |  |  | $XXXXXX<br> A |
| 3576876376 |  |  | $XXXXXX<br> A<br> D |
| 3576888773 |  |  | $XXXXXX<br> A |
| 3576967725 |  |  | $XXXXXX<br> A |
| 3577039765 |  |  | $XXXXXX<br> A |
| 3577226086 |  |  | $XXXXXX<br> D<br> A |
| 3577490222 |  |  | $XXXXXX<br> A |
| 3577707123 |  |  | $XXXXXX<br> A<br> C |
| 3577930900 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409038014 | XXXXX |  | $XXXXXX<br> A |
| 3570455432 |  |  | $XXXXXX<br> A |
| 3570475875 |  |  | $XXXXXX<br> B<br> A |
| 3575284631 |  |  | $XXXXXX<br> D<br> A |
| 3575643001 |  |  | $XXXXXX<br> A |
| 3575729478 |  |  | $XXXXXX<br> A |
| 3575918437 |  |  | $XXXXXX<br> A |
| 3576419127 |  |  | $XXXXXX<br> A |
| 3576975522 |  |  | $XXXXXX<br> A |
| 3577864532 |  |  | $XXXXXX<br> A |
| 3568329596 |  |  | $XXXXXX<br> A<br> C |
| 3568412689 |  |  | $XXXXXX<br> A |
| 3568929065 |  |  | $XXXXXX<br> A |
| 3569270022 |  |  | $XXXXXX<br> C<br> A |
| 3572551016 |  |  | $XXXXXX<br> A |
| 3573421043 |  |  | $XXXXXX<br> D<br> A |
| 3573479232 |  |  | $XXXXXX<br> A |
| 3573511550 |  |  | $XXXXXX<br> A |
| 3573879902 |  |  | $XXXXXX<br> A |
| 3574148448 |  |  | $XXXXXX<br> A |
| 3574174094 |  |  | $XXXXXX<br> A<br> B |
| 3574502220 |  |  | $XXXXXX<br> A |
| 3574546592 |  |  | $XXXXXX<br> A |
| 3574621149 |  |  | $XXXXXX<br> A |
| 3574705514 |  |  | $XXXXXX<br> A |
| 3574982256 |  |  | $XXXXXX<br> A |
| 3574984642 |  |  | $XXXXXX<br> A |
| 3575385356 |  |  | $XXXXXX<br> A |
| 3575471549 |  |  | $XXXXXX<br> A |
| 3575474186 |  |  | $XXXXXX<br> A<br> C |
| 3575480600 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3575531061 |  |  | $XXXXXX<br> A |
| 3575809872 |  |  | $XXXXXX<br> A |
| 3575813692 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3575904438 |  |  | $XXXXXX<br> A |
| 3575911947 |  |  | $XXXXXX<br> D<br> A |
| 3575984194 |  |  | $XXXXXX<br> A |
| 3575999765 |  |  | $XXXXXX<br> A |
| 3576007566 |  |  | $XXXXXX<br> A<br> C |
| 3576012628 |  |  | $XXXXXX<br> B<br> A |
| 3576095668 |  |  | $XXXXXX<br> A |
| 3576110142 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3576155812 |  |  | $XXXXXX<br> A |
| 3576249433 |  |  | $XXXXXX<br> A<br> C |
| 3576249930 |  |  | $XXXXXX<br> A |
| 3576336306 |  |  | $XXXXXX<br> A |
| 3576350489 |  |  | $XXXXXX<br> C<br> A |
| 3576384834 |  |  | $XXXXXX<br> A |
| 3576421070 |  |  | $XXXXXX<br> A |
| 3576613608 |  |  | $XXXXXX<br> A |
| 3576615761 |  |  | $XXXXXX<br> A |
| 3576729154 |  |  | $XXXXXX<br> A<br> B |
| 3576769000 |  |  | $XXXXXX<br> A |
| 3576794157 |  |  | $XXXXXX<br> A<br> B |
| 3576796357 |  |  | $XXXXXX<br> A |
| 3576948006 |  |  | $XXXXXX<br> A |
| 3576982667 |  |  | $XXXXXX<br> A |
| 3577045017 |  |  | $XXXXXX<br> A |
| 3577113133 |  |  | $XXXXXX<br> A |
| 3577121273 |  |  | $XXXXXX<br> A<br> C<br> B |
| 3577131758 |  |  | $XXXXXX<br> D<br> C<br> A |
| 3577196924 |  |  | $XXXXXX<br> B<br> A |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1225357176 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.94 | 62.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 255347273 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 1225506148 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.29 | 64.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1480053864 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 1225488009 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.59 | 44.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 1143889A |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 980121318881 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.46 | 65.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 1034000381399 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.62 | 47.62 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 1225657564 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.93 | 58.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 4256179496 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1525289010 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.95 | 40.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 1034000388449 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.01 | 55.01 | $XXX | $XXX | -.0570 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0570 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 126285764 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.95 | 57.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 255399627 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.4 | 49.4 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 255395334 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.11 | 76.11 | $XXX | $XXX | .0219 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0219 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 4256182136 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225672402 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.35 | 61.35 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 980121347253 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.71 | 52.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 1034000440998 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3569299412 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3573420046 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.62 | 79.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3567804663 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3572432018 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.24 | 63.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3573151885 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3573984820 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.94 | 69.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 3574354709 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.07 | 45.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3574609829 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.56 | 71.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 3574894979 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 3575072379 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.44 | 78.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3575158735 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.88 | 45.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575273057 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575366304 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.34 | 74.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3575445591 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3559728562 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.48 | 78.48 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3567992553 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.54 | 76.54 | $XXX | $XXX | -.1404 | Desk Review |  |  |  |  | $XXX | $XXX | .0307 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1404 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 3570984194 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 3571953577 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.14 | 76.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3572091817 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3572450632 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.78 | 66.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 3572631400 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.86 | 65.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3573031893 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.57 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 3573104650 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 3573311643 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 3573332421 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.16 | 36.16 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3573851001 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3574068744 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.58 | 69.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3574497078 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.08 | 72.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3574913256 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 3575085822 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 3575341487 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 3575549584 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 3575727972 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0167 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0167 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 3575818911 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575999147 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 3576006542 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.05 | 62.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 3576239886 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 3576259575 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.06 | 58.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3576332589 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| 3576339747 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.13 | 54.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3567534826 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 3568261359 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.53 | 73.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 3569900251 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.24 | 56.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3572453967 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3572714506 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.23 | 54.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3572892462 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 3573132508 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.3 | 62.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3574051359 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.98 | 69.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 3574068613 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.93 | 61.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 3574273237 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3574462826 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 3574535081 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.34 | 60.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3574708005 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.32 | 78.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3574737920 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.49 | 68.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3574810346 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.85 | 50.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3574842369 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 3575171252 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.63 | 68.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 3575363210 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575475881 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3575601685 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 3575624462 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 3575692217 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.89 | 74.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3575716684 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.71 | 55.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 3575727743 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3576007524 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.6 | 57.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3576012459 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3576209730 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3576217677 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.58 | 58.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3576237666 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3576336172 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3576350678 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.36 | 60.36 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3576414879 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3576569687 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.08 | 79.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3576736574 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 3577220293 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.8 | 77.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3577400740 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.63 | 56.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409038019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.55 | 74.55 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409038021 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.38 | 69.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409038024 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409037991 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0385 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0385 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 409037999 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409037992 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.29 | 78.29 | $XXX | $XXX | -.0286 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0286 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409038011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409037994 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409038015 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.85 | 68.85 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0016 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409038016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409038030 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.0 | 40.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409037997 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | -.0364 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0364 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.9 |  |
| 409038007 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0169 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409038005 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.93 | 79.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409037995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409038031 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.77 | 76.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409038008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409038006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.85 | 69.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409037996 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.47 | 74.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409038023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409038004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409038001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409038003 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409038009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0192 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0192 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409038002 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409038025 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.36 | 38.36 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409038022 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409038000 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0167 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409038027 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.05 | 67.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 409038013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.08 | 64.08 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0177 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409038018 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 3569993508 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.15 | 72.15 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 3571725466 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3572391252 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.74 | 37.74 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3572534046 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.6 | 77.6 | $XXX | $XXX | -.0946 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0946 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 3573675857 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.49 | 50.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 3574081574 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.01 | 72.01 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 3574090966 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3574177708 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3574375863 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.12 | 71.12 | $XXX | $XXX | -.0049 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0049 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 3574529229 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.32 | 35.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 3575098300 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.6 | 61.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 3575172627 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.78 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 3575367929 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.85 | 72.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 3575386812 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575563774 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 3575709786 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3575723616 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 3575813513 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3575832512 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 3575927759 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3576100396 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.34 | 61.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3576104289 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3576167340 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 3576413955 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3576527151 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.92 | 73.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3576615492 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.34 | 68.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3576665521 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.13 | 63.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3576708498 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.13 | 54.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 3576876376 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3576888773 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.44 | 69.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3576967725 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 3577039765 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 3577226086 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.25 | 64.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3577490222 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.87 | 66.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3577707123 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.55 | 69.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3577930900 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409038014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3570455432 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 3570475875 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0303 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0303 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 3575284631 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.93 | 70.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 3575643001 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 3575729478 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 3575918437 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 3576419127 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.54 | 61.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3576975522 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.9 | 63.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3577864532 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.85 | 78.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3568329596 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 3568412689 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3568929065 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.42 | 58.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 3569270022 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.81 | 78.81 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3572551016 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.8 | 71.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3573421043 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 3573479232 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.81 | 54.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3573511550 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.87 | 64.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3573879902 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.94 | 70.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3574148448 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 3574174094 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 3574502220 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.33 | 57.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3574546592 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3574621149 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.12 | 51.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 3574705514 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.02 | 64.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3574982256 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.59 | 69.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 3574984642 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 3575385356 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.17 | 60.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3575471549 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3575474186 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.93 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 3575480600 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.54 | 76.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 3575531061 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 3575809872 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3575813692 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3575904438 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3575911947 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3575984194 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.42 | 51.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 3575999765 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.81 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3576007566 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.56 | 71.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3576012628 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.21 | 77.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3576095668 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.64 | 79.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3576110142 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 3576155812 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 67.21 | 67.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 3576249433 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3576249930 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3576336306 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.13 | 58.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 3576350489 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3576384834 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.47 | 72.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3576421070 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.71 | 62.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 3576613608 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0526 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 3576615761 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.35 | 55.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3576729154 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3576769000 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.63 | 55.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3576794157 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 3576796357 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.57 | 61.57 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3576948006 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.52 | 62.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3576982667 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.4 | 67.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 3577045017 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3577113133 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.7 | 57.7 | $XXX | $XXX | -.0738 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0738 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3577121273 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.86 | 47.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 3577131758 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3577196924 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.17 | 63.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1480053864 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 1225488009 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 1225488009 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender included the second home expense of XXX into the DTI twice. Omitting one payment resulted in a lower DTI of XXX%. The variance of XXX% is within tolerance. |
| 1143889A |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Per final closing disclosure. |
| 1143889A |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 1143889A |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | AUS ran with higher P&I. The XXX was updated to reflect P&I per note. The audit DTI of XXX% align with the updated XXX DTI of XXX%. |
| 1034000381399 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 1525289010 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 126285764 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXX | XXX | Confirmed using higher from DU approval. |
| 126285764 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 4256182136 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 980121347253 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 3573151885 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI variance is due to Auditor's income calculated as XXX vs Lender's XXX income of $XXX. |
| 3567992553 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | does not look like flood insurance was included in AUS findings. |
| 3572450632 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 3572450632 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Verified the subject is an attached Row house. |
| 3575818911 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Small variance due to the income calculation. |
| 3568261359 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per AUS DTI is XXX% and Audit's DTI matches the AUS. |
| 3572453967 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 3574737920 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | XXX% DTI is less than guideline XXX% DTI (Audited DTI is less than Lender's DTI due to income difference and from the P&I amount on AUS XXX vs Note amount $XXX. |
| 3574810346 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI Is off due to the Income not matched with Final 1003 & XXX there is a difference in the income but though its within the Tolerance. |
| 3575171252 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender included HOA fee when not reflected on appraisal and/or title. This caused the DTI to decrease. |
| 3575716684 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender provided updated 1003, XXX and REO property doc showing no HOA resulting in reduced DTI of XXX. |
| 3576209730 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI is higher due to rental income. |
| 3576336172 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender did not include the HELCO monthly mortgage payment in the total debt to income. |
| 3577400740 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 409038019 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No XXX per final CD. |
| 409038021 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI is based on Final 1003 information. |
| 409038021 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, transaction does not include escrows of tax/ins. |
| 409038021 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Transaction XXX type updated to reflect NCO. |
| 409037991 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject property is a PUD per appraisal report. |
| 409038011 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Per Final 1003, ULI was XXX |
| 409038011 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD. |
| 409038015 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Updated as per final CD. |
| 409038016 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Per Final 1003, ULI was XXX |
| 409038030 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Verified with 1003. |
| 409038030 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Verified with Credit Report. |
| 409038030 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verifed with Final CD. |
| 409038030 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Verified with XXX and Mortgage document. |
| 409038030 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified with Final CD. |
| 409038007 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | EscrowFlag Updated No as per document. |
| 409038008 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Updated as per Final 1003. |
| 409038006 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI has been Updated as per Final 1003. |
| 409038006 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Auditor Confirmed XXX using Final CD. |
| 409038023 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Confirmed with Final 1003. |
| 409038004 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Updated as per Final 1003. |
| 409038001 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Confirmed with 1003 Final. |
| 409038003 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Updated as per Final 1003. |
| 409038009 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Updated as per Final 1003. |
| 409038009 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Updated as per Escrow Waiver Disclosure. |
| 409038009 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Updated as per Appraisal. |
| 409038002 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Confirmed with 1003. |
| 409038025 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Updated as Per Final 1003. |
| 409038025 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX Only, Shows an Final CD and Post CD. |
| 409038022 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Update as per Final 1003 document. |
| 409038022 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No escrows per CD. |
| 409038000 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Auditor matches with Final 1003. |
| 409038027 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Validated the ULI against the final URLA and lender loan number. The ULI reflected in the loan file is accurate; tape value does not match the source documentation. |
| 409038027 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Validated the ULI against the final URLA and lender loan number. The ULI reflected in the loan file is accurate; tape value does not match the source documentation. |
| 409038013 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Update as per document. |
| 409038018 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI confirmed using Final 1003. |
| 3576167340 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Considered a XXX per the appraisal. |
| 3576167340 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | XXX - Lender used XXX P&I, however mortgage Statement from XXX pg.XXX shows P&I XXX per month. Will proceed with amount from Statement. DTI remains below XXX% threshold thus no impact to decision. |
| 3576967725 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 3577039765 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 409038014 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI Confirmed using Final 1003. |
| 409038014 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX confirmed using Appraisal. |
| 3577864532 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI matches AUS. |
| 3573479232 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Minor DTI difference is due to the calculated income for XXX Family Limited. Review calculation was more conservative than lender's calculation. Both DTIS are within guidelines and tolerance. |
| 3576155812 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | As per Contract of Sale & Final CD, transaction is XXX. |
| 3576249930 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance is due to income calculation. Lender's income is XXX and audit income is XXX This caused a variance in the DTI to XXX% from XXX%. |

---

## Exhibit 99.15

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 1225357176 | XXX&nbsp;&nbsp;&nbsp;&nbsp; <br>| XX/XX/XXXX&nbsp;&nbsp;&nbsp;&nbsp; <br>| QM: Safe Harbor APOR (APOR SH) <br>| XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed <br>FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan <br>| Regular Program <br>| XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255347273 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1225506148 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1480053864 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 226 | 1 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1225488009 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 20 | Yes | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1143889A | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121318881 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 217 | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1034000381399 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1225657564 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 4256179496 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1525289010 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1034000388449 <br>| XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 94 | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 126285764 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 226 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255399627 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 9 | No | No | 0 | Yes | 68 | 0 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255395334 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 67 | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 4256182136 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 1 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1225672402 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121347253 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 25 | No |  | 1 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 1034000440998 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 37 | 2 | 2 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3569299412 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573420046 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3567804663 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572432018 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573151885 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573984820 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574354709 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574609829 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574894979 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575072379 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575158735 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 15 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575273057 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575366304 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575445591 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3559728562 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3567992553 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3570984194 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 246 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3571953577 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572091817 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572450632 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572631400 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573031893 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | 935.04 | XXX |  |  | 249900 |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573104650 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 00 | 0 | 0 |  | XXX | XXX |
| 3573311643 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573332421 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573851001 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574068744 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | Yes | No | 12 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574497078 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574913256 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575085822 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 4 | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575341487 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575549584 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575727972 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575818911 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575999147 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576006542 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 157 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576239886 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576259575 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576332589 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576339747 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3567534826 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3568261359 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3569900251 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | Yes | 233 | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572453967 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572714506 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572892462 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573132508 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 192 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574051359 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 82 | Yes | 121 | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574068613 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574273237 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574462826 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574535081 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574708005 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574737920 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574810346 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574842369 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 29 | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575171252 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575363210 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575475881 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575601685 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575624462 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575692217 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575716684 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575727743 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 4 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576007524 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576012459 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576209730 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576217677 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576237666 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576336172 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576350678 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576414879 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576569687 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 54 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576736574 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 64 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577220293 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577400740 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 69 | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038019 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX |  |
| 409038021 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 40 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038024 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037991 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 7 | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037999 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037992 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038011 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037994 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 96 | 0 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038015 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038016 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 68 | 0 | 1 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038030 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037997 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 1 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038007 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038005 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 24 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037995 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 42 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038031 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038008 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FHLMC | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 22 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038006 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037996 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038023 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038004 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038001 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038003 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | 10 | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038009 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 52 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038002 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | 9 | No | No | 0 | No |  | 0 | 1 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038025 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 27 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038022 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 30 | 1 | 2 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038000 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038027 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038013 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 112 | 2 | 2 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038018 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 49 | 2 | 2 | No | 1 | 1 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3569993508 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3571725466 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 00 |  | XXX | XXX |
| 3572391252 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572534046 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573675857 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574081574 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574090966 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574177708 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 3 | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574375863 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574529229 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575098300 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575172627 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575367929 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 00 | 0 | 00 |  | XXX | XXX |
| 3575386812 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575563774 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 3 | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575709786 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575723616 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575813513 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575832512 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 64 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575927759 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 14 | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576100396 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576104289 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | Yes | No | 286 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576167340 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576413955 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576527151 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576615492 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576665521 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576708498 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576876376 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 24 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576888773 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576967725 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577039765 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577226086 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577490222 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577707123 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577930900 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 216 | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038014 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3570455432 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3570475875 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575284631 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 32 | 0 | 2 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575643001 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575729478 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 | Yes | 105 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575918437 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576419127 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576975522 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577864532 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3568329596 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3568412689 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3568929065 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3569270022 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3572551016 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 287 | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573421043 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573479232 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573511550 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 80 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3573879902 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574148448 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574174094 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574502220 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 15 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574546592 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574621149 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574705514 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574982256 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3574984642 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 266 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575385356 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575471549 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575474186 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575480600 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 102 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575531061 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575809872 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575813692 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575904438 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 3575911947 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575984194 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3575999765 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576007566 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576012628 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576095668 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576110142 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576155812 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 3576249433 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576249930 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576336306 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576350489 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 239 | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576384834 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 12 | Yes | No | 24 | Yes | 56 | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576421070 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576613608 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576615761 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576729154 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576769000 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 216 | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576794157 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576796357 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3576948006 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX |  |
| 3576982667 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577045017 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577113133 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577121273 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 38 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577131758 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 3577196924 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |

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