# EDGAR Filing Document

**Accession Number:** 0002057124
**File Stem:** 0001999371-25-011477
**Filing Date:** 2025-8
**Character Count:** 2385184
**Document Hash:** 2c25a4b46222d021ff03d2c62649de0c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-011477.hdr.sgml**: 20250815

**ACCESSION NUMBER**: 0001999371-25-011477

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

**PUBLIC DOCUMENT COUNT**: 40

**CONFORMED PERIOD OF REPORT**: 20250815

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

**FILED AS OF DATE**: 20250815

**DATE AS OF CHANGE**: 20250815

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07763
- **FILM NUMBER:** 251225697

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206

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

**<u>COLT SECURITIZATION DEPOSITOR, LLC</u>**

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

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| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

  <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)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0002057124 |
|  | <u>COLT 2025-9 Mortgage Loan Trust</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable):<u> </u> |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Donna Yi (212) 849-9658 </u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

**REPORTS**

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | |
|:---|:---|
| **COLT SECURITIZATION DEPOSITOR, LLC** | **COLT SECURITIZATION DEPOSITOR, LLC** |
| By: | /s/ Donna Yi |
| Name:  | Donna Yi |
| Title: | Vice President |

---

Date: August 15, 2025

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.7](ex99-7.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.9](ex99-9.htm) | Clarifii Data Compare Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Consolidated Analytics, Inc. ("Consolidated") Narrative |
| [99.12](ex99-12.htm) | Consolidated Grading Report Summary |
| [99.13](ex99-13.htm) | Consolidated Valuations Summary Report |
| [99.14](ex99-14.htm) | Consolidated Due Diligence Standard |
| [99.15](ex99-15.htm) | Consolidated Data Compare Report |
| [99.16](ex99-16.htm) | Maxwell Diligence Solutions, LLC ("MaxDiligence") Narrative |
| [99.17](ex99-17.htm) | MaxDiligence Standard Exceptions Report |
| [99.18](ex99-18.htm) | MaxDiligence Grading Report |
| [99.19](ex99-19.htm) | MaxDiligence Valuation Report |
| [99.20](ex99-20.htm) | MaxDiligence Data Compare Report |
| [99.21](ex99-21.htm) | Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative |
| [99.22](ex99-22.htm) | Opus Rating Agency Grades Summary Report |
| [99.23](ex99-23.htm) | Opus Valuation Report |
| [99.24](ex99-24.htm) | Opus Data Compare Report |
| [99.25](ex99-25.htm) | Opus Standard Findings Report |
| [99.26](ex99-26.htm) | Selene Diligence LLC ("Selene") Narrative |
| [99.27](ex99-27.htm) | Selene Rating Agency Grades Summary Report |
| [99.28](ex99-28.htm) | Selene Standard Findings Report |
| [99.29](ex99-29.htm) | Selene Valuation Report |
| [99.30](ex99-30.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**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 Lone Star Residential Acquisitions, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during April 2025 through August 2025 on mortgage loans with origination dates from March 2025 through July 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (223 loans), and the Business Purpose Scope (188 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 411 mortgage loans.

The final population of the Review covered 411 mortgage loans totaling an aggregate original principal balance of approximately $227.656 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The 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.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| # of Units | Has FTHB | PITIA Reserves Months |
| Amortization Term | Interest Only Period | Prepayment Penalty Period (months) |
| Amortization Type | Investor: Qualifying Total Debt Ratio | Product Description |
| Balloon Flag | Lender | Property Type |
| Borrower First Name | Lien Position | Purpose |
| Borrower FTHB | Margin | Refi Purpose |
| Borrower Last Name | Note Date | Representative FICO |
| Borrower SSN | Occupancy | State |
| City | Original CLTV | Street |
| Decision System | Original Interest Rate | Total Cash-out |
| Doc Type | Original Loan Amount | Zip |
| Escrow Account | Original LTV |  |

---

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

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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.

**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.

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

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

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area 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.

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the provided Note,
Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining appraisal reports,
BPO's, and appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as
evidence/an indication of either owner or tenant occupancy) and comparing this information against other relevant information contained
within applicable sections of the loan file to evaluate consistency, accuracy, and adheres to the credit policy.

▪ Reviewing environmental reporting,
Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit reporting,
VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements,
and consistency with the Final Loan Approval worksheet.

▪ Reviewing HUD-1's, Title
Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and
amounts/LTV/LTC as well as adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s) for presence
of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject
property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing Final Form 1003/Loan
application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed
residence for the Individual(s) is an address other than the subject property.

▪ Confirming, if applicable, business
license(s) and P&L's are present, valid, and adheres to credit policy requirements.

▪ Confirming, if applicable, second
mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final loan approval
worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency
with all other documentation contained in the review file.

▪ Reviewing the Certification
of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of a completed fields, and verifying that the
hand written Primary Residence address differs from the subject property address, and is signed/dated as required.

▪ Verifying presence of a complete
Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject
note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures.

▪ Comparing the Primary Residence
address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and
Indemnity.

▪ Documenting any non-approved
credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Reviewing and calculating that
the DSCR and/or Property DTI conforms with applicable guidelines.

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Documents reviewed include the following items (\* = where applicable):

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| | | |
|:---|:---|:---|
| Appraisal Report | Deed of Trust / Mortgage | Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) |
| Appraisal Review documentation\* | Environmental reports | Note |
| Background check | Evidence of Hazard / Liability / Flood Insurance coverage | Purchase agreement(s)\* |
| Broker Price Opinion and market rent addendum\* | Existing Leases\* | Rent Roll\* |
| Business License\* | Final Form 1003 / Loan Application(s) | Second mortgage documentation\* |
| Business P&L's\* | Final HUD-1 | Title Search Documentation |
| Certification(s) of Business purpose of loan | Flood certificates | Verification of down payment funds/ funds to close / reserve funds\* |
| Certification(s) of Non-Owner Occupancy and Indemnity\* | Guaranty Agreement(s)\* | Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| Credit Report(s) | Identification / proof of residency status |  |

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(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 the 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.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the

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amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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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.

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(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):

* Initial application (1003);

* Underwriting summary / loan approval (1008);

* Credit report;

* Income and employment documentation;

* 4506T;

* Asset documentation;

* Sales contract;

* Hazard and/or flood insurance policies;

* Copy of note for any junior liens;

* Appraisal;

* Title/Preliminary Title;

* Final 1003;

* Changed circumstance documentation;

* Right of Rescission Disclosure;

* Mortgage/Deed of Trust;

* Note;

* Mortgage Insurance;

* Tangible Net Benefit Disclosure;

* Subordination Agreement;

* FACTA disclosures;

* Notice of Special Flood Hazards;

* Initial and final GFE's;

* HUD from sale of previous residence;

* Final HUD-1;

* Initial TIL;

* Final TIL;

* Loan Estimates;

* Closing Disclosures; and

* Certain other disclosures related to the enumerated
tests set forth herein.

**<u>BUSINESS PURPOSE & LIMITED COMPLIANCE REVIEW</u>**

Includes Business Purpose Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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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 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 & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# Mortgage Loans** | **% of Mortgage Loans** |

---

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| | | |
|:---|:---|:---|
| A | 214 | 52.07% |
| B | 197 | 47.93% |
| C | 0 | 0.00% |
| **Total** | **411** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that one hundred seventy-three (173) Business Purpose with no limited compliance review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining two hundred thirty-eight (238) mortgage loans, 100.00% by number received an "A" or "B" compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| **NRSRO Grade** | **# Loans** | **% of All Loans** | **% of Mortgage Review Population** |
| A | 177 | 43.07% | 74.37% |
| B | 61 | 14.84% | 25.63% |
| C | 0 | 0.00% | 0.00% |
| Compliance Not Run | 173 | 42.09% | N/A |
| **Total** | **411** | **100.00%** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

All four hundred eleven (411) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 61.80% of the mortgage loans by number received a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# Mortgage Loans** | **% of Mortgage Loans** |
| A | 254 | 61.80% |
| B | 157 | 38.20% |
| C | 0 | 0.00% |
| Total | 411 | 100.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All four hundred eleven (411) mortgage loans reviewed by AMC have a Property Grade of "B" or higher and 99.76% of the mortgage loans by number received a Property grade of "A"

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# Mortgage Loans** | **% of Mortgage Loans** |
| A | 410 | 99.76% |
| B | 1 | 0.24% |
| C | 0 | 0.00% |
| **Total** | **411** | **100.00%** |

---

**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").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |

---

13 \| Page

![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Compliance | B | ECOA | 37 |
| Compliance | B | TRID Defect | 14 |
| Compliance | B | ATR/QM Defect | 10 |
| Compliance | B | Federal HPML | 5 |
| Compliance | B | RESPA | 4 |
| Compliance | B | GSE | 4 |
| Compliance | B | State Defect | 3 |
| Compliance | B | State HPML | 3 |
| Compliance | B | TRID | 2 |
| Compliance | B | State Late Charge | 2 |
| Compliance | B | Loan Package Documentation | 2 |
| Compliance | B | Missing, Incorrect, or Incomplete Final or Initial 1003 | 1 |
| Compliance | B | Missing Non-Required Data | 1 |
| Compliance | B | Misc. State Level | 1 |
| Compliance | B | Federal Defect | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***90*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **90** |
| Credit | B | Guideline | 136 |
| Credit | B | Borrower and Mortgage Eligibility | 62 |
| Credit | B | Credit | 15 |
| Credit | B | Title | 14 |
| Credit | B | Asset | 3 |
| Credit | B | Income / Employment | 3 |
| Credit | B | Insurance | 2 |
| Credit | B | Missing Document | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | Business Purpose | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***238*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **238** |
| Property | B | Property - Appraisal | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***1*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **1** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **329** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 411 mortgage loans reviewed, 401 unique mortgage loans had 2,422 different tape discrepancies across 30 data fields (some mortgage loans had more than one data delta). The largest variances were found on PITIA Reserves Months, Escrow Account and Product Description.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 26 | 0.00% | 411 |
| Amortization Term | 1 | 26 | 3.85% | 411 |
| Amortization Type | 0 | 26 | 0.00% | 411 |
| Balloon Flag | 0 | 385 | 0.00% | 411 |

---

14 \| Page

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| Borrower First Name | 107 | 411 | 26.03% | 411 |
| Borrower FTHB | 6 | 26 | 23.08% | 411 |
| Borrower Last Name | 109 | 411 | 26.52% | 411 |
| Borrower SSN | 99 | 385 | 25.71% | 411 |
| City | 12 | 411 | 2.92% | 411 |
| Decision System | 10 | 12 | 83.33% | 411 |
| Doc Type | 29 | 210 | 13.81% | 411 |
| Escrow Account | 348 | 385 | 90.39% | 411 |
| Has FTHB | 27 | 211 | 12.80% | 411 |
| Interest Only Period | 9 | 43 | 20.93% | 411 |
| Investor: Qualifying Total Debt Ratio | 79 | 223 | 35.43% | 411 |
| Lender | 259 | 385 | 67.27% | 411 |
| Lien Position | 0 | 26 | 0.00% | 411 |
| Margin | 11 | 11 | 100.00% | 411 |
| Note Date | 22 | 26 | 84.62% | 411 |
| Occupancy | 1 | 411 | 0.24% | 411 |
| Original CLTV | 22 | 411 | 5.35% | 411 |
| Original Interest Rate | 20 | 411 | 4.87% | 411 |
| Original Loan Amount | 31 | 411 | 7.54% | 411 |
| Original LTV | 1 | 27 | 3.70% | 411 |
| PITIA Reserves Months | 374 | 385 | 97.14% | 411 |
| Prepayment Penalty Period (months) | 179 | 380 | 47.11% | 411 |
| Product Description | 304 | 385 | 78.96% | 411 |
| Property Type | 70 | 411 | 17.03% | 411 |
| Purpose | 3 | 411 | 0.73% | 411 |
| Refi Purpose | 3 | 140 | 2.14% | 411 |
| Representative FICO | 41 | 411 | 9.98% | 411 |
| State | 0 | 411 | 0.00% | 411 |
| Street | 24 | 411 | 5.84% | 411 |
| Total Cash-out | 149 | 166 | 89.76% | 411 |
| Zip | 72 | 411 | 17.52% | 411 |
| **Total** | **2422** | **9232** | **26.23%** | **411** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 400 | 97.32% | $218917717.00 | 96.16% |
| Adjustable | 11 | 2.68% | $8738150.00 | 3.84% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |

---

15 \| Page

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| 1 | 411 | 100.00% | $227655867.00 | 100.00% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Home Improvement/Renovation | 3 | 0.73% | $1712500.00 | 0.75% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 139 | 33.82% | $76364750.00 | 33.54% |
| First Time Home Purchase | 36 | 8.76% | $23290120.00 | 10.23% |
| Other-than-first-time Home Purchase | 200 | 48.66% | $107984825.00 | 47.43% |
| Rate/Term Refinance - Lender Initiated | 2 | 0.49% | $2504000.00 | 1.10% |
| Rate/Term Refinance - Borrower Initiated | 31 | 7.54% | $15799672.00 | 6.94% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 391 | 95.13% | $215179792.00 | 94.52% |
| 361+ Months | 20 | 4.87% | $12476075.00 | 5.48% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 196 | 47.69% | $106461397.00 | 46.76% |
| Condo, Low Rise | 29 | 7.06% | $10528292.00 | 4.62% |
| Condo, High Rise | 6 | 1.46% | $3097600.00 | 1.36% |
| PUD | 101 | 24.57% | $71186740.00 | 31.27% |
| Townhouse | 1 | 0.24% | $157500.00 | 0.07% |
| 1 Family Attached | 17 | 4.14% | $4445625.00 | 1.95% |
| 2 Family | 34 | 8.27% | $15386362.00 | 6.76% |
| 3 Family | 10 | 2.43% | $6037300.00 | 2.65% |
| 4 Family | 10 | 2.43% | $6740201.00 | 2.96% |
| 5-10 Unit Multi-Family | 7 | 1.70% | $3614850.00 | 1.59% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 150 | 36.50% | $112853337.00 | 49.57% |
| Investment | 247 | 60.10% | $106030263.00 | 46.57% |
| Second Home | 14 | 3.41% | $8772267.00 | 3.85% |
| **Total** | **411** | **100.00%** | **$227655867.00** | **100.00%** |

---

16 \| Page

## Exhibit 99.2

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.2**

![](situs-logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
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| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 7.692% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -3.587% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -0.105% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -5.000% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.625% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.90 |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -1.254% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 70.285% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.70 |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.20 |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| XXXX | XXXX | XXXX | 4350116046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | XXXX | 4350116084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 6.145% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | Moderate | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 4350116104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.80 |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -0.058% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.167% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -3.778% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -9.091% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.70 |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.30 |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | XXXX | XXXX | 4350116170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -5.344% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.716% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | 16.300% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.977% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 5.059% | XXXX | XXXX | AVM | XXXX | 0 |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1.607% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 999.00 |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.80 |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.20 |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | High |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | 11.111% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 6.667% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| XXXX | XXXX | XXXX | 4350116313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 5.906% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -7.317% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Field Review | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -100.000% | XXXX | Indeterminate | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 2.222% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 4350116351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |

---

## Exhibit 99.3

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.3**

![](situs-logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/14XXXX 10:48:49 AM** | **Run Date - 8/14XXXX 10:48:49 AM** | **Run Date - 8/14XXXX 10:48:49 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Loan Exception ID** | **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 | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received the Cash Flow Analysis confirming access to funds. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received the Cash Flow Analysis confirming access to funds. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for 82.219% LTV which is greater than guideline maximum LTV of 80% for cash out transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Reserves: 16.46<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for 82.219% CLTV which is greater than guideline maximum LTV of 80% for cash out transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Reserves: 16.46<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received the Cash Flow Analysis confirming access to funds. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received the Cash Flow Analysis confirming access to funds. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received the Cash Flow Analysis confirming access to funds. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Note Zip code of XXXX differs from appraisal zip code of XXXX. |  |  |  | Reviewer Comment (XXXX): Note provided.<br>Reviewer Comment (XXXX): Please provide an updated Note with the corrected zip code.<br>Seller Comment (XXXX): (Rate Lock) Correct zip code for this property is XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Zip code XXXX differs from Flood certificate zip code XXXX. |  |  |  | Reviewer Comment (XXXX): Updated Note provided.<br>Reviewer Comment (XXXX): Please provide an updated Note with the corrected zip code.<br>Seller Comment (XXXX): (Rate Lock) Correct zip code for this property is XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note Zip code XXXX differs from Hazard Insurance zip code XXXX. |  |  |  | Reviewer Comment (XXXX): Updated Note provided.<br>Reviewer Comment (XXXX): Please provide an updated Note with the corrected zip code.<br>Seller Comment (XXXX): (Rate Lock) Correct zip code for this property is XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | Security Instrument address does not match Note address. |  |  |  |  |  | Reviewer Comment (XXXX): Received the updated Security Instrument and Approval. | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. |  |  |  |  |  | Reviewer Comment (XXXX): Received the updated Security Instrument and Approval. | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in the file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: XXXXReport not provided |  | XXXX Report is missing in the file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: XXXX not provided |  | XXXX is missing in the file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | XXXX was not checked and required per guidelines. |  | XXXX is missing in the file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender exception approved for loan amount of $XXXX below the XXXX minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 27.02<br> Guideline Requirement: 9.00<br>Debt Service Coverage Ratio: 2.18<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 778 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors.<br>Seller Comment (XXXX): (Rate Lock) Please see attached loan buyer exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty | XXXX Prepayment Penalty: Maximum calculated prepay of $XXXX exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XXXX). |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 please waive<br>Reviewer Comment (XXXX): Exception regraded to EV2. Eligible for Waive. Please email.<br>Reviewer Comment (XXXX): Regraded to EV2-B as lender modified prepay terms in alignment with state requirements.<br>Seller Comment (XXXX): (Rate Lock) Signed docs provided<br>Reviewer Comment (XXXX): The e-sign shows if was accepted by XXXX), as does the 1003 and the Disclosure Summary. The address of communication for the updated docs is "XXXX" which is not the email the docs were sent to and the borrower was not being communicated with.<br>Seller Comment (XXXX): (Rate Lock) This was the email the E-consent was sent to and listed on the 1003 original 1003 and one signed at closing.<br>Reviewer Comment (XXXX): The documents were emailed to someone other than the borrower and the address is not the one associated with the E-Sign agreement. We need to see evidence that the borrower actually received the Addendum, and would need a signature on the form in order to downgrade to EV2-B.<br>Reviewer Comment (XXXX): Elevated from management to Compliance.<br>Seller Comment (XXXX): (Rate Lock) Proof corrected docs sent and received by the borrower via email provided<br>Reviewer Comment (XXXX): An amended Prepay Rider to the Note and Security Instrument can be sent removing prepay from the loan (with LOE, Copy of Amended Prepay Rider and proof of delivery). Given there is no explicit cure under the XXXX statutes, this would result in the exception remaining as an Open EV2-B. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower not having a XXXX home expense. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The XXXX is greater than the guideline requirement by XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>XXXX: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (XXXX): Lender exceptions with comp factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  | Reviewer Comment (XXXX): Received the prepayment Rider.<br>Seller Comment (XXXX): (Rate Lock) Rider provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 125.77<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 63.33333%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 63.33333%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 712 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank XXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. |  |  |  | Reviewer Comment (XXXX): Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXXPercent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX Received Letter of explanation received stating survey was chosen by borrower and not a requirement of lender. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation discrepancy due to only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM.<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. Business in existence for than XXXX months. |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM. Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower's current business has been in existence for less than XXXX years. Missing third party verification of the Borrower's self employment for XXXX years. Only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. |  |  |  | Reviewer Comment (XXXX): Received entity docs in trailing docs.<br>Reviewer Comment (XXXX): Documentation provided for start date of borrower's prior business not dated. Please provide evidence of the date of the Articles of Organization were provided to verify 2 years self-employment.<br>Reviewer Comment (XXXX): Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower's current business has been in existence for less than XXXX years. Missing third party verification of the Borrower's self employment for XXXX years. Only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. |  |  |  | Reviewer Comment (XXXX): Received evidence of doc provided date in trailing docs.<br>Reviewer Comment (XXXX): Documentation provided for start date of borrower's prior business not dated. Please provide evidence of the date of the Articles of Organization were provided to verify 2 years self-employment.<br>Reviewer Comment (XXXX): Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to business entity has been in existence for less than XXXX years. Less than XXXX yr self employment verified by XXXX party verification. Only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. |  |  |  | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (XXXX): Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Seller Comment (XXXX): (Rate Lock) Added additional CF<br>Seller Comment (XXXX): (Rate Lock) Exception to use 6 months statements due to borrower moving to new state and opening a new LLC (same line of work) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Only XXXX months bank statements were provided. Per guidelines XXXX or XXXX months bank statements are required. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>Qualifying DTI less than XXXX%, AND at least XXXX% less than guideline maximum<br>Borrower has XXXX lates from renting.<br>Borrower FICO XXXX, required XXXX | XXXX | Reviewer Comment (XXXX): Lender Exception with CF. Director Approved it based on the supporting Comp Factors and the logical transition from one business to another.<br>Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM.<br>Reviewer Comment (XXXX): This has been sent to compliance.<br>Reviewer Comment (XXXX): Borrower's primary employment does not have Third Party verification dated within 120 days prior to the Note date. Please provide.<br>Reviewer Comment (XXXX): No new documentation provided. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (XXXX(a)(6)) XXXX Cash-out Loan (T-42 Endorsement Not Obtained) | XXXX Constitution Section 50(a)(6): Acceptable XXXX title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the XXXX T-42 endorsement or the T-42.1 endorsement. (The loan is a XXXX Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (XXXX): Final title provided with XXXX | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final XXXX |  |  |  |  |  | Reviewer Comment (XXXX): Provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX | XXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (XXXX): Cleared.<br>Seller Comment (XXXX): (Rate Lock) The signature on the DOT fulfills the legal requirement for spousal consent under community property law, please review | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement:XXXX (Subject XXXX) discrepancy. | CalculatedXXXX (Subject XXXX) of XXXX does not meet GuidelineXXXX (Subject XXXX) XXXX. | Rent controlled properties for XXXX units require a XXXX of XXXX. Subject XXXX is XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>Borrower's Experience/Track Record | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>XXXX housing payment history.<br>Borrower's Experience/Track Record. The borrower has XXXX prior investments properties. | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors.<br>Seller Comment (XXXX): (Rate Lock) Please clear<br>Reviewer Comment (XXXX): Lender exception with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance document is missing for XXXX, XXXX, XXXX property. |  |  |  | Reviewer Comment (XXXX): Hazard provided.<br>Seller Comment (XXXX): (Rate Lock) HOI provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX Certificates with no confirmed dates in lieu of actual leases. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (XXXX): Lender exceptions with comp factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception of 70% LTV that exceeds the guideline maximum of 65%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 39.65<br> Guideline Requirement: 3.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception of 70% LTV that exceeds the guideline maximum of 65%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 39.65<br> Guideline Requirement: 3.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date XXXX, Note Date XXXX | The Flood Insurance policy effective date of XXXX is after the Note date of XXXX. |  |  |  | Reviewer Comment (XXXX): Flood insurance is effective on disbursement date exception cleared.<br>Seller Comment (XXXX): (Rate Lock) Loan funded XXXX this is acceptable | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (XXXX): Received the CDA validating value. | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage has a coverage shortfall of $XXXX. |  |  |  | Reviewer Comment (XXXX): Cleared.<br>Reviewer Comment (XXXX): To be cleared.<br>Reviewer Comment (XXXX): Policy includes dwelling replacement cost.<br>Seller Comment (XXXX): (Rate Lock) Per coverage information it states Replacement Cost | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR below 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 16.15<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 38.46%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception on repairs that haven't been completed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 19.50<br> Guideline Requirement: 9.00<br>Loan to Value: 40.00000%<br> Guideline Maximum Loan to Value: 75.00000%<br>DTI: 19.90533% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 801 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: XXXX <br> Disaster End Date: XXXX<br> Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES<br> Disaster Declaration Date: XXXX |  |  |  | Reviewer Comment (XXXX): Inspection provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception for DSCR below 1.00 for first time investor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Reserves: 20.21<br> Guideline Requirement: 9.00<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender exceptions with comp factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for borrower LTV of 65% for refinance rural property which exceeds the guidelines minimum of 75% | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has nine years experience, 18 REO.<br> Recently remodeled property including new kitchen, bathrooms, flooring, interior and exterior paint, and new windows.<br>Guidelines Representative FICO: 660<br> Representative FICO: 711 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. XXXX valuation is missing. Sec ID:XXXX |  |  |  |  |  | Reviewer Comment (XXXX): BPO provided. | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Renewal and Extension Rider indicated to be executed by the borrower on the security instrument is missing. |  |  |  | Reviewer Comment (XXXX): Received document in fie showing the rider was not required.<br>Seller Comment (XXXX): (Rate Lock) Docs provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | (XXXX(a)(6)) XXXX Cash-out Loan (Itemization of Points and Fees Not Provided) | XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | Evidence that the borrower received the Final Itemized disclosure of fees, points, costs and charges at least one business day prior to closing was not provided. |  |  |  | Reviewer Comment (XXXX): Cure documentation received. |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  | Reviewer Comment (XXXX): XXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX): (Rate Lock) PCCD provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Mortgage statements for XXXX |  |  |  | Reviewer Comment (XXXX): Disclosure provided. Clear.<br>Reviewer Comment (XXXX): Exception to be cleared.<br>Reviewer Comment (XXXX): Received the REO documents.<br>Seller Comment (XXXX): XXXX is a condo - providing VOM, Ho6 and property taxes<br>Reviewer Comment (XXXX): Received CD for XXXX. Still missing CD for XXXX.<br>Seller Comment (XXXX): Final CD for XXXX<br>Seller Comment (XXXX): This property was refinanced by XXXX and closed a week prior to our subject property. Providing Note and Final CD. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal was not provided. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): Elect to waive and close out appraisal delivery grade 2 |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower not meeting the cash-out seasoning requirement for property purchased XXXX when application date is XXXX. Borrower purchased the property for $XXXX while still under construction using 1031 exchange funds and a balloon loan from the seller that has recently been paid off and released. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 106.62<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | POA e-signed with e-signature receipt instead of wet signed | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide evidence of XXXX Bank account closing and funds being deposited in the XXXX account # XXXX. Loan file is also missing XXXX account #XXXX statement for the month of XXXX | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 19.21<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 762 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Loan file is missing XXXX Bank account #XXXX statement for the month of XXXX |  |  |  | Reviewer Comment (XXXX): Received bank statement in trailing docs.<br>Reviewer Comment (XXXX): Exception provided is for using 3 months of XXXX bank statement. Please provide the XXXX bank statement for the month of XXXX as it is missing from the loan file. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file is missing XXXX Bank account XXXX statement for the month of XXXX |  |  |  | Reviewer Comment (XXXX): Received bank statement in trailing docs.<br>Reviewer Comment (XXXX): Exception provided is for using 3 months of XXXX bank statement. Please provide the XXXX bank statement for the month of XXXX as it is missing from the loan file. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to bank statement missing for borrower's bank statement income. |  |  |  | Reviewer Comment (XXXX): System cleared with Compensating Factors from Lender Exception. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to bank statement missing for borrower's bank statement income. |  |  |  | Reviewer Comment (XXXX): System cleared with Compensating Factors from Lender Exception. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to bank statement missing for borrower's bank statement income. |  |  |  | Reviewer Comment (XXXX): System cleared with Compensating Factors from Lender Exception. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for guideline requirement for employment less than 2 years documentation to confirm that they have been in the same field for at least 4 years. File contains 16 months of self-employment without confirmation that the borrower has been within the same field for at least 4 years prior. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 19.21<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 762 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | missing account statement of 2 months for "XXXX - Stock - account XXXX" with balance of $XXXX |  |  |  | Reviewer Comment (XXXX): Received 2 months account statements.<br>Seller Comment (XXXX): (Rate Lock) Provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | missing account statement of 2 months for "XXXX - Checking account XXXX" with balance of $XXXX |  |  |  | Reviewer Comment (XXXX): Received 2 months account statements.<br>Seller Comment (XXXX): (Rate Lock) Provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | missing account statement of 2 months for "XXXX |  |  |  | Reviewer Comment (XXXX): Received the VOD for the pension/IRA account.<br>Seller Comment (XXXX): (Rate Lock) we will not have 2 months statement to this type of accounts.?<br>Reviewer Comment (XXXX): Received the other statements requested, still need the IRA statements. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the appraiser adding information on the zoning and the house likely to be rebuilt but not a guarantee. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please advise if this can clear<br>Reviewer Comment (XXXX): Escalated to investor.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use market rent from appraiser on a non-subject property. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Operating agreement missing from file. |  |  |  | Reviewer Comment (XXXX): CPA letter confirms 100% ownership.<br>Seller Comment (XXXX): (Rate Lock) NO OA as borrower is sole owner | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Operating agreement missing from file. |  |  |  | Reviewer Comment (XXXX): CPA Letter provided confirms 100% ownership.<br>Seller Comment (XXXX): (Rate Lock) NO OA as borrower is sole owner | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement is missing for the REO property located at XXXXreet. |  |  |  | Reviewer Comment (XXXX): Attached the lease agreement provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - 25% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXreet. Lease Agreement not provided or % of gross rents used is greater than 75%. | Lease agreement is missing for XXXXreet. |  |  |  | Reviewer Comment (XXXX): Attached the lease agreement provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The REO property located at XXXXreet is missing a lease agreement. |  |  |  | Reviewer Comment (XXXX): Attached the lease agreement provided.<br>Reviewer Comment (XXXX): The documents provided are not the Lease Agreements. (rents right disclosures are not the lease) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Reserves less than 6 months. |  |  |  | Reviewer Comment (XXXX): Attached the lease agreement provided. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is XXXX which was after the date of the initial Loan Estimate provided electronically XXXX. |  |  |  | Reviewer Comment (XXXX): XXXX Received disclosure showing LE mailed. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Calculated PITIA months reserves of 5.21 is less than Guideline PITIA months reserves of 6.00. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Lender accepts EV2 grading<br>Lender accepts EV2 grading<br>Lender accepts EV2 grading | XXXX | Reviewer Comment (XXXX): Lender accepts EV2 grading |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves less than 6 months resulting in ATR risk. |  |  |  | Reviewer Comment (XXXX): Attached the lease agreement provided.<br>Seller Comment (XXXX): (Rate Lock) Please see exception for reserves<br>Reviewer Comment (XXXX): The documents provided are not the Lease Agreements. (rents right disclosures are not the lease) | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Interested Party Contributions exceed allowable. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Lender accepts EV2 grading<br>Lender accepts EV2 grading<br>Lender accepts EV2 grading | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for $50 short one month's housing rent payment. LOE provided indicating paid for key for mailbox. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 21.97<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved an exception for FICO score of 674 which is less than the guideline maximum of 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 21.97<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender requested exception for missing cancelled checks, mortgage/rental statements as borrower pays landlord cash and just gets receipts to document. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least XXXX. | DTI: 30.31750% <br> Guideline Maximum DTI: 55.00000%<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.34201% or Final Disclosure APR of 8.40700% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.34454% or Final Disclosure APR of 8.40700% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. |  |  |  | Reviewer Comment (XXXX): Delivery provided.<br>Seller Comment (XXXX): See attached proof of delivery of appraisal<br>Reviewer Comment (XXXX): The correspondence sent in trailing docs shows it was emailed to the borrower XXXX. Need confirmation borrower actually received the appraisal 3 business days prior to closing. Without the evidence of receipt, the mailbox rule applies which puts receipt date at XXXX.<br>Seller Comment (XXXX): See trailing docs. Appraisal was emailed XXXX<br>Reviewer Comment (XXXX): Initial report received. Delivery for the XXXX report reflects it was sent on XXXX. Without evidence of the borrower receiving the 1004, the "mailbox" rule applies. As a result, the delivery date is XXXX, which is not 3 days prior to closing. Do you have evidence the borrower received the appraisal at least 3 days prior to closing?<br>Seller Comment (XXXX): see trailing docs<br>Reviewer Comment (XXXX): Please provide the initial report as the dates and information need to be entered to clear exceptions. Initial report required.<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.34454% or Final Disclosure APR of 8.40700% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. Non-Compliant Higher Priced Mortgage Loan.<br>Seller Comment (XXXX): see trailing documents | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal with report date of XXXX is after the Note date. |  |  |  | Reviewer Comment (XXXX): Original appraisal provided.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): Please provide the initial report as the dates and information need to be entered to clear exceptions. Initial report required.<br>Seller Comment (XXXX): Please see attached Borrower was sent appraisal via email on XXXX. The update done prior to funding was to add a clerical comment required by lender. Had no effect on the value. This is a refinance borrower is aware the home wasn't damaged during declared disaster. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal with report date of XXXX is after the Note date. |  |  |  | Reviewer Comment (XXXX): Delivery provided.<br>Seller Comment (XXXX): Please see attached. Appraisal emailed to the borrower. Please downgrade to EV 2 and waive.<br>Reviewer Comment (XXXX): Please provide evidence of borrower's receipt of the 06/02 appraisal.<br>Seller Comment (XXXX): The XXXX iteration had a lender required clerical update. It was supplied to the borrower, yet it contained no additional information affecting the value. Please advise what is needed to clear.<br>Reviewer Comment (XXXX): Received proof borrower received the 0XXXX appraisal on 0XXXX, but the latest appraisal provided to the borrower has a report date of XXXX which is dated after the Note date.<br>Seller Comment (XXXX): Please see email again with borrowers response on the same day 5.27<br>Reviewer Comment (XXXX): The correspondence sent in trailing docs shows it was emailed to the borrower 0XXXX. Need confirmation borrower actually received the appraisal 3 business days prior to closing. Without the evidence of receipt, the mailbox rule applies which puts receipt date at XXXX.<br>Seller Comment (XXXX): Please see attached proof that the appraisal was emailed to borrower XXXX<br>Reviewer Comment (XXXX): Initial report received. Delivery for the XXXX report reflects it was sent on XXXX. Without evidence of the borrower receiving the 1004, the "mailbox" rule applies. As a result, the delivery date is XXXX, which is not 3 days prior to closing. Do you have evidence the borrower received the appraisal at least 3 days prior to closing?<br>Seller Comment (XXXX): See attached first appraisal<br>Reviewer Comment (XXXX): Please provide the initial report as the dates and information need to be entered to clear exceptions. Initial report required.<br>Seller Comment (XXXX): See trailing documents | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX): XXXX received proof of receipt.<br>Seller Comment (XXXX): See attached initial Cd and delivery | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 Grade. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for - To Use 100% of Business Assets (Borrower Owns 50% of the business) | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: 28.17%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 17.83573% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for - Less Than 2 Years With Current Self - Employment (1yr 7mos) and Less than 4 Years Prior Employment in the same Line of Work (Files a Schedule C in XXXX in same line of Work) | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: 28.17%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 17.83573% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender Approved Exception for LTV exceeding 80% LTV (85% requested) for borrower with no primary housing payment History | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: 28.17%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 17.83573% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender Approved Exception for LTV exceeding 80% LTV (85% requested) for borrower with no primary housing payment History | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: 28.17%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 17.83573% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Received the Appraisal delivery confirmation. | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.82693% or Final Disclosure APR of 8.90600% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.82693% or Final Disclosure APR of 8.90600% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000% |  |  |  | Reviewer Comment (XXXX): Received the Appraisal delivery confirmation. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption missing on file |  |  |  | Reviewer Comment (XXXX): Received the Anti Predatory certificate. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Received delivery confirmation. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  | Reviewer Comment (XXXX): Received proof of payment in trailing docs. | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file borrower received appraisal. |  |  |  | Reviewer Comment (XXXX): Received proof of appraisal delivery in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Proof it was delivered 3 days prior to close | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file borrower received appraisal. |  |  |  | Reviewer Comment (XXXX): Received proof of appraisal delivery in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Proof it was delivered 3 days prior to close | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.23780% or Final Disclosure APR of 8.63200% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.23780% or Final Disclosure APR of 8.63200% is equal to or greater than the threshold of APOR 6.80% + 1.5%, or 8.30000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (XXXX): Received proof of appraisal delivery in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Proof it was delivered 3 days prior to close | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX): Received proof of appraisal delivery in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Proof it was delivered 3 days prior to close | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower. |  |  |  | Reviewer Comment (XXXX): HOEPA points and fees exception cured.<br>Seller Comment (XXXX): (Rate Lock) Proof the borrower was provided both options, despite the check being already sent, and she chose Option 1 the refund.<br>Reviewer Comment (XXXX): Received the PCCD with $XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of $XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (XXXX): HOEPA points and fees exception cured.<br>Seller Comment (XXXX): (Rate Lock) Proof the borrower was provided both options, despite the check being already sent, and she chose Option 1 the refund.<br>Reviewer Comment (XXXX): Received the PCCD with $XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of $XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds maximum allowable of 4% of the amount past due. |  |  |  | Reviewer Comment (XXXX): HOEPA points and fees exception cured.<br>Seller Comment (XXXX): (Rate Lock) Proof the borrower was provided both options, despite the check being already sent, and she chose Option 1 the refund.<br>Reviewer Comment (XXXX): Received the PCCD with XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.13102% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .13102%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 5.13102% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .13102%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (XXXX): XXXX received evidence of borrower's choice to accept refund and make loan non-high-cost, copy of refund check, LOE, and proof of mailing.<br>Seller Comment (XXXX): (Rate Lock) Proof the borrower was provided both options, despite the check being already sent, and she chose Option 1 the refund.<br>Reviewer Comment (XXXX): Received the PCCD with XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (XXXX): HOEPA points and fees exception cured.<br>Reviewer Comment (XXXX): Received the PCCD with XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: REO 25% Method) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Investment property Rental income calculated from operating income document however required Lease Agreement of same property. |  |  |  | Reviewer Comment (XXXX): HOEPA points and fees exception cured.<br>Reviewer Comment (XXXX): Received the PCCD with XXXX credit and a LOE to borrower. However, to cure HOEPA points and fees, within 30 days of consummation or 60 days of discovery, the following is needed: <br>Signed letter from borrower indicating their choice to either (a) accept refund of XXXX and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> Assuming option (a) is selected, a copy of refund check and proof of mailing;<br>Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. <br> The borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower. Cure deadline (60 days from discovery) is XXXX.<br>Seller Comment (XXXX): (Rate Lock) LOE, PCCD and check provided for loan to pass high cost<br>Reviewer Comment (XXXX): Under HOEPA provisions, the vacancy (25%) method cannot be used without third party evidence of rental income, such as a signed lease. The HOEPA exceptions would need to be cleared for this Compliance exception to Clear.<br>Reviewer Comment (XXXX): Sent to Compliance.<br>Seller Comment (XXXX): (Rate Lock) Provided exception as thee is no lease | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use 5.4% Interested party contributions (max allowable 4% when over 80% LTV) | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing Verification of Mortgage (VOM) to verify 12 months' housing history. |  |  |  | Reviewer Comment (XXXX): Received the VOM 0X30X12.<br>Seller Comment (XXXX): (Rate Lock) VOM provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use 1025 appraisal only for depXXXXg res rental offset-listed for rent and no tenants yet. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide copy of XXXX or XXXX search showing departure property is not listed for sale as required by Guidelines. |  |  |  | Reviewer Comment (XXXX): Received documentation in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Doc clearly states not listed for sale, nor was it sold. This is sufficient<br>Reviewer Comment (XXXX): Document provided is not dated. Please provide evidence that property was not listed prior to Note date.<br>Seller Comment (XXXX): (Rate Lock) Search shows currently off market via XXXX and not for sale | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX does not provided the reason of not having escrow account. |  |  |  | Reviewer Comment (XXXX): XXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX): (Rate Lock) PCCD provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (XXXX): UCDP score updated which is less then 2.5 No secondary valuation required .Exception cleared<br>Seller Comment (XXXX): (Rate Lock) CDA not required as CU less than 2.5 and loan balance under $XXXX and not a flip | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception allowing draw of trust to be received before first payment is due and not before closing. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least XXXX. | Loan to Value: 40.00000%<br> Guideline Maximum Loan to Value: 80.00000%<br>Reserves: 354.44<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 788<br>Borrower has verified disposable income of at least XXXX. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing signed and dated 4506-C and W2 transcripts. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX" therefore the XXXX used in lieu of and is acceptable.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.63920% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing signed and dated 4506-C and W2 transcripts. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 44.82<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.41076%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.41076%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors.<br>Reviewer Comment (XXXX): Cleared in error<br>Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required. The maximum is DTI 50%.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX" therefore the XXXX used in lieu of and is acceptable.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing signed and dated 4506-C and W2 transcripts. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX therefore the XXXX used in lieu of and is acceptable.<br>Reviewer Comment (XXXX): Signed 4506-C and w-2 transcript required exception remains.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender requested exception to allow DTI above 45% for non-warrantable condo. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 44.82<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.41076%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.41076%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing signed and executed 4506-C and W2 transcripts. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX therefore the XXXX used in lieu of and is acceptable.<br>Reviewer Comment (XXXX): Signed 4506-C and w-2 transcript required exception remains.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception to allow HOI deductible exceeding 10%. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 44.82<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.41076%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.41076%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing signed and dated 4506-C and W2 transcripts. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX therefore the XXXX used in lieu of and is acceptable.<br>Reviewer Comment (XXXX): Signed 4506-C and w-2 transcript required exception remains.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - XXXX | Loan file missing signed and dated 4506-C and W2 transcripts. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Seller Comment (XXXX): (Rate Lock) Please review guidelines. XXXX page 75 states "A separate signed IRS Form 4506-C or XXXX therefore the XXXX used in lieu of and is acceptable.<br>Reviewer Comment (XXXX): Signed 4506-C and w-2 transcript required exception remains.<br>Seller Comment (XXXX): (Rate Lock) XXXX provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | Lender requested exception to allow DTI above 45% for non-warrantable condo. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least XXXX.<br>Reserves: 44.82<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.41076%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.41076%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance policy provided has a Coverage shortfall of $XXXX |  |  |  | Reviewer Comment (XXXX): Received ERC in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Dwelling coverage and RCE equals. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Loan Discount points Fee of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC.<br>Seller Comment (XXXX): (Rate Lock) CIC provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to use letter from tax preparer who did not prepare the borrower's taxes to confirm expense ratio. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 11.92<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 22.82%<br> Borrower's Own Funds Amount: $XXXX<br>DTI: 33.59235% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing minimum 2 years' employment history required by guidelines. |  |  |  | Reviewer Comment (XXXX): Verification of VVOE date provided. System Cleared.<br>Reviewer Comment (XXXX): Third party verification of employment is required to verify the 2 years of employment history exception remains. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing minimum 2 years' employment history required by guidelines. |  |  |  | Reviewer Comment (XXXX): Verification of VVOE date provided.<br>Reviewer Comment (XXXX): Third party verification of employment is required to verify the 2 years of employment history exception remains. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing minimum 2 years' employment history required by guidelines. |  |  |  | Reviewer Comment (XXXX): Verification of VVOE date provided.<br>Reviewer Comment (XXXX): Third party verification of employment is required to verify the 2 years of employment history exception remains. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing third-party verification for Sole proprietorship. |  |  |  | Reviewer Comment (XXXX): Verification of VVOE date provided.<br>Reviewer Comment (XXXX): Third party verification of employment is required to verify the 2 years of employment history exception remains. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing minimum 2 years' employment history required by guidelines. |  |  |  | Reviewer Comment (XXXX): Verification of VVOE date provided. System Cleared.<br>Reviewer Comment (XXXX): Third party verification of employment is required to verify the 2 years of employment history exception remains. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (XXXX): Fraud Report received and associated. Exception cleared.<br>Seller Comment (XXXX): (Rate Lock) Provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial XXXX closing disclosure was signed on XXXX, missing evidence of earlier receipt. |  |  |  | Reviewer Comment (XXXX): XXXX received 0XXXX CD 3 business days prior to consummation.<br>Seller Comment (XXXX): (Rate Lock) ICD was sent XXXX and viewed XXXX. APR on XXXX CD was 8.769 and decreased from XXXX CD therefore it does not re-set the waiting period and is OK to be viewed XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The Loan Discount Fees increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC.<br>Seller Comment (XXXX): (Rate Lock) ICD sent XXXX<br>Reviewer Comment (XXXX): XXXX Received COC dated XXXX along with CD showing lock expiration; however, file does not contain CD/LE within 3 days of the Lock date XXXX. Provide CD/LE within 3 days of the lock date XXXX.<br>Seller Comment (XXXX): (Rate Lock) CIC provided | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan discrepancy due to Bank statement income documentation not complete. Loan file is missingXXXX bank statement for Account #XXXX . |  |  |  | Reviewer Comment (XXXX): Received bank statement in Trailing docs. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Bank statement income documentation not complete. Loan file is missing XXXX XXXX bank statement for Account #XXXX . |  |  |  | Reviewer Comment (XXXX): Received bank statement in Trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - XXXX | Bank statement income documentation not complete. Loan file is missing XXXX XXXX bank statement for Account #XXXX . |  |  |  | Reviewer Comment (XXXX): Received bank statement in trailing document. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Exception Requesting for Loan amount less than $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | 0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transferred appraisal over 120 days old. Guidelines do not allow a recert of the value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | 0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage amount is not sufficient, so, updated policy or replacement cost estimator is required with sufficient coverage amount. |  |  |  | Reviewer Comment (XXXX): Received the replacement cost estimator.<br>Reviewer Comment (XXXX): Provided Hazard Insurance policy coverage amount does not cover the loan amount. Require updated policy or replacement cost estimator with sufficient coverage amount. Exception Remains. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception for DSCR below 1.00. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>4 months more than guidelines minimum<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for LTV of 75% cash out transaction in declining market. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>4 months more than guidelines minimum<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>4 months more than guidelines minimum<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to loan file missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): ATR Risk<br>Seller Comment (XXXX): Please note that the alternative documentation used to verify the Borrower prior employment was the borrowers 401K statement with XXXX and CB's employment was with W2 from XXXX from XXXX.<br>Reviewer Comment (XXXX): Alt doc used is 401k statement and Summary of Plan from XXXX, current statement through XXXX and tax transcripts showing XXXX as employer in XXXX. Pay stubs used for co borrower as Alt doc. Per client communications.<br>Seller Comment (XXXX): See revised lender exception<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): See attached Lender exception and WVOE's<br>Reviewer Comment (XXXX): Per guidelines, at least one year full income documentation is required. Borrower has only been at their current job for 0.85 years. A VVOE for prior employment that is dated prior to/at closing OR an alternate document that was relied on at or before closing to meet the 1 year employment verification requirement is required. Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): See attached previous VOE for XXXX. Previous employment does not have to be dated PTC. Please clear or downgrade.<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): See trailing docs. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Waterfall exception due to loan file missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (XXXX): EV2-B with post-close lender exception approval for employment status verification with alternate third party documentation received prior to consummation.<br>Seller Comment (XXXX): Please note that the alternative documentation used to verify the Borrower prior employment was the borrowers 401K statement with XXXX and CB's employment was with W2 from XXXX from XXXX.<br>Reviewer Comment (XXXX): Alt doc used is 401k statement and Summary of Plan from XXXX, current statement through XXXX and tax transcripts showing XXXX as employer in XXXX. Pay stubs used for co borrower as Alt doc. Per client communications.<br>Seller Comment (XXXX): See revised lender exception<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): See trailing docs for CB VOE<br>Reviewer Comment (XXXX): Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): Prior VOE uploaded.<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): See attached XXXX has granted exception to use WVOE within 10 days of the closing. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | Loan file is missing borrower's verification of prior employment to satisfy the 2-year employment history requirement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>DTI 41.8% < Guidelines allowed 50%. 8.2% lower than allowed. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): Please note that the alternative documentation used to verify the Borrower prior employment was the borrowers 401K statement with XXXX and CB's employment was with W2 from 2024 from XXXX.<br>Reviewer Comment (XXXX): Alt doc used is 401k statement and Summary of Plan from XXXX, current statement through XXXX and tax transcripts showing XXXX as employer in XXXX. Pay stubs used for co borrower as Alt doc.<br>Seller Comment (XXXX): Please see the revised Lender exception.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Employment documentation provided.<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): Can you please clarify, XXXX's final issue is that the Verification of previous employment was done post-closing? If so, will an addition to the lender exception allowing Previous employment verification having been done post-closing suffice to clear all outstanding exceptions?<br>Reviewer Comment (XXXX): Per guidelines, at least one year full income documentation is required. Borrower has only been at their current job for 0.85 years. A VVOE for prior employment that is dated prior to/at closing OR an alternate document that was relied on at or before closing to meet the 1 year employment verification requirement is required.<br>Seller Comment (XXXX): Prior VOE uploaded. We are not verifying current employment here it does not need to be PTC.<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): Please downgrade to an EV 2. A previous employment verification does not need to be prior to closing. This is immaterial.<br>Reviewer Comment (XXXX): Verification of previous employment provided is dated post-closing. Non-QM requires employment verification at or before consummation.<br>Seller Comment (XXXX): Please see attached proof of previous employment for XXXX |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to loan file missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): Documentation provided for prior employment verification.<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): See trailing docs for Revised Lender Credit exception for WVOE's and after 10 days of closing 7.07.2025 and the WVOE for the CB and the previous employer for Borrower.<br>Reviewer Comment (XXXX): Per guidelines, at least one year full income documentation is required. Borrower has only been at their current job for 0.85 years. A VVOE for prior employment that is dated prior to/at closing OR an alternate document that was relied on at or before closing to meet the 1 year employment verification requirement is required. Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): See trailing documents and VOE on prior employments are not needed PTC. This is immaterial. Please downgrade. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file is missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): Documentation provided for prior employment verification.<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): See trailing docs for CB VOE<br>Reviewer Comment (XXXX): Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): Attached<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): See trailing documents | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Loan file is missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): Employment documentation provided.<br>Reviewer Comment (XXXX): Lender Exception verifying there was alternate documentation used to verify income would need to be provided.<br>Seller Comment (XXXX): Can you please clarify, XXXX's final issue is that the Verification of previous employment was done post-closing? If so, will an addition to the lender exception allowing Previous employment verification having been done post-closing suffice to clear all outstanding exceptions?<br>Reviewer Comment (XXXX): Per guidelines, at least one year full income documentation is required. Borrower has only been at their current job for 0.85 years. A VVOE for prior employment that is dated prior to/at closing OR an alternate document that was relied on at or before closing to meet the 1 year employment verification requirement is required. Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): Attached<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to loan file missing Co-borrower's verbal verification of employment and verification of Borrower's prior employment to satisfy the 2-year employment history. |  |  |  | Reviewer Comment (XXXX): Documentation provided for employment verification.<br>Reviewer Comment (XXXX): VOEs provided for borrower and co borrower are dated post close. Please provide pre close documentation.<br>Seller Comment (XXXX): See attached CB VOE<br>Reviewer Comment (XXXX): Per guidelines, at least one year full income documentation is required. Borrower has only been at their current job for 0.85 years. A VVOE for prior employment that is dated prior to/at closing OR an alternate document that was relied on at or before closing to meet the 1 year employment verification requirement is required. Loan file is also missing Co-borrower's verbal verification of employment for their XXXX LLC employment.<br>Seller Comment (XXXX): Attached<br>Reviewer Comment (XXXX): Borrower has only been at their current employment for less than a year. Verification of 2 years employment history is required. Non-QM requires all employment verification at or before consummation.. Lender exception provided in file is for allowing WVOE in place of VVOE. Please provide an alternate documentation used to verify borrower's prior employment and a lender exception which supports the alternate documentation used to verify employment at or before closing.<br>Seller Comment (XXXX): see trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR Risk: Post-close lender exception approval for employment status verification with alternate third party documentation received prior to consummation. |  |  |  | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (XXXX): EV2-B: Post-close lender exception approval for employment status verification with alternate third party documentation received prior to consummation. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title final missing on file or supplement report missing |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower not having a 12 month housing history. Borrower only has 3 months of ownership. Was living rent free prior. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Miscellaneous | Borrower owns another rental but only 3 months ago. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 80% exceeds max of 75% for a loan amount under XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Miscellaneous | Borrower owns another rental but only 3 months ago. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 80% exceeds max of 75% for a loan amount under XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Miscellaneous | Borrower owns another rental but only 3 months ago. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title Preliminary Report in the file did not disclose the total Policy coverage amount. |  |  |  | Reviewer Comment (XXXX): Title Final document received, and information updated. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) Title provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (XXXX): Title Final document received, and information updated. Exception Cleared. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances. |  |  |  | Reviewer Comment (XXXX): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (XXXX): (Rate Lock) Docs provuded<br>Reviewer Comment (XXXX): XXXX received copy fo Cure refund and proof of mailing. However, we did not receive the Corrected CD & LOE to borrower to finalize the cure. There is 5 days remaining for this cure.<br>Seller Comment (XXXX): (Rate Lock) Check provided<br>Reviewer Comment (XXXX): Disclosed finance charge does not appear to include the Title Administrative Fee in the amount of XXXX on C.01 as prepaid finance charges. Finance Charge underdisclosed in the amount of XXXX. Please provide LOE notifying borrower of under disclosure, copy of refund check in the amount of XXXX, and proof of mailing to cure<br>Seller Comment (XXXX): (Rate Lock) Our compliance testing came back with total financed amount of XXXX.? The final CD reflects a financed amount of XXXX, which is slightly over-disclosed. No cure is needed<br>Reviewer Comment (XXXX): The XXXX CD lists two title - Administration fees for a total of XXXX. The APR is within tolerance, but the finance charge is under disclosed. in the amount of XXXX. Remediation requires PCCD, LOE, Copy of refund check and proof of mailing to cure.<br>Seller Comment (XXXX): (Rate Lock) Please advise what CD this was determined on. As mentioned this is not the correct finance amounts. Please re-review the CDs and advise which one has the incorrect APR<br>Reviewer Comment (XXXX): Finance Charge is calculated at XXXX and was XXXX.00 underdisclosed on the Final CD. Unable to determine discrepancy in lender's calculations as compliance report does not match to Final CD fees. XXXX included the following fees in Title Admin XXXX, Title-Admin/Courier XXXX, Title-Attorney Fee XXXX, Admin Fee XXXX, Flood Cert $XXXX, HOA Certification $XXXX, Discount Points $XXXX, MERS $XXXX, Prepaid Int $XXXX, Tax Servcie $XXXX, Title-CPL $XXXX and Title-Wire/Disbursement $XXXX. Cure with Corrected CD, LOE to borrower, copy of cure refund of XXXX, and proof of mailing. If the underdisclosure is related to the Title-Adminstrative Fee in Section C, would require a Lender attestation giving the specific services/purpose of the fee in order to determine if not a finance charge.<br>Seller Comment (XXXX): (Rate Lock) CD from XXXX has Finance charges of XXXX and CD from XXXX has same finance charges of XXXX |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Disclosed Finance Charges are XXXX. Due Diligence Finance Charges are XXXX. There is a variance of XXXX. |  |  |  | Reviewer Comment (XXXX): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (XXXX): (Rate Lock) Docs provuded<br>Reviewer Comment (XXXX): XXXX received copy fo Cure refund and proof of mailing. However, we did not receive the Corrected CD & LOE to borrower to finalize the cure. There is 5 days remaining for this cure.<br>Seller Comment (XXXX): (Rate Lock) Check provided<br>Reviewer Comment (XXXX): Disclosed finance charge does not appear to include the Title Administrative Fee in the amount of XXXX on C.01 as prepaid finance charges. Finance Charge underdisclosed in the amount of XXXX. Please provide LOE notifying borrower of under disclosure, copy of refund check in the amount of XXXX, and proof of mailing to cure<br>Seller Comment (XXXX): (Rate Lock) Our compliance testing came back with total financed amount of XXXX.? The final CD reflects a financed amount of XXXX, which is slightly over-disclosed. No cure is needed<br>Reviewer Comment (XXXX): The XXXX CD lists two title - Administration fees for a total of XXXX. The APR is within tolerance, but the finance charge is under disclosed. in the amount of XXXX. Remediation requires PCCD, LOE, Copy of refund check and proof of mailing to cure.<br>Seller Comment (XXXX): (Rate Lock) Please advise what CD this was determined on. As mentioned this is not the correct finance amounts. Please re-review the CDs and advise which one has the incorrect APR<br>Reviewer Comment (XXXX): Finance Charge is calculated at XXXX and was XXXX.00 underdisclosed on the Final CD. Unable to determine discrepancy in lender's calculations as compliance report does not match to Final CD fees. XXXX included the following fees in Title Admin XXXX, Title-Admin/Courier XXXX, Title-Attorney Fee XXXX, Admin Fee XXXX, Flood Cert $XXXX, HOA Certification $XXXX, Discount Points $XXXX, MERS $XXXX, Prepaid Int $XXXX, Tax Servcie $XXXX, Title-CPL $XXXX and Title-Wire/Disbursement $XXXX. Cure with Corrected CD, LOE to borrower, copy of cure refund of XXXX, and proof of mailing. If the underdisclosure is related to the Title-Adminstrative Fee in Section C, would require a Lender attestation giving the specific services/purpose of the fee in order to determine if not a finance charge.<br>Seller Comment (XXXX): (Rate Lock) CD from XXXX has Finance charges of XXXX and CD from XXXX has same finance charges of XXXX |  | XXXX |  | 2 C B | XXXX | 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 if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received COC dated XXXX<br>Seller Comment (XXXX): (Rate Lock) Discount points on the XXXX CD were 1.705% of the loan amount (loan amt $XXXX). The loan amount increased at closing to $XXXX and the discount still remained 1.705% of loan amount. The increase in discount was in proportion to the loan amount change and is considered valid | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (XXXX): (Rate Lock) Doc provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided within 60 Days of Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $XXXX) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business, CPA letter in file is not dated. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing required 2 years' history of self-employment, and signed and dated CPA letter/Operating agreement to verify ownership percentage, and Third party verification for XXXX LLC and cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided.<br>Seller Comment (XXXX): (Rate Lock) Proof borrower has been in same line of work 4+ years, as business has only been opened for over a year. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing required 2 years' history of self-employment, and signed and dated CPA letter/Operating agreement to verify ownership percentage, and Third party verification for XXXX LLC and cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided.<br>Seller Comment (XXXX): (Rate Lock) Proof borrower has been in same line of work 4+ years, as business has only been opened for over a year. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing third-party verification of XXXX LLC within 120 calendar days prior to Note date and percentage ownership of borrower in business entity. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business, CPA letter in file is not dated. |  |  |  | Reviewer Comment (XXXX): Verification of CPA letter provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third-party verification of XXXX LLC within 120 calendar days prior to Note date and percentage ownership of borrower in business entity. |  |  |  | Reviewer Comment (XXXX): Verification of CPA letter provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to missing required 2 years' history of self-employment, and signed and dated CPA letter/Operating agreement to verify ownership percentage, and Third party verification for XXXX LLC and cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided.<br>Seller Comment (XXXX): (Rate Lock) Proof borrower has been in same line of work 4+ years, as business has only been opened for over a year. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing required 2 years' history of self-employment, and signed and dated CPA letter/Operating agreement to verify ownership percentage, and Third party verification for XXXX LLC and cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): System cleared. Lender Exception with Comp Factors.<br>Seller Comment (XXXX): (Rate Lock) Proof borrower has been in same line of work 4+ years, as business has only been opened for over a year. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing required 2 years' history of self-employment, and signed and dated CPA letter/Operating agreement to verify ownership percentage, and Third party verification for XXXX LLC and cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Evidence of the date of the CPA letter provided. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Borrower has more than 6 NSFs in a 12 month period. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Lender exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Five of the 12 income bank statements had negative ending balance showing a consistent pattern of withdrawals exceeding deposits. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Lender exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Exception Request for DSCR below 1.000(0.864) does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final Closing Disclosure was not provided to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX): XXXX received initial CD.<br>Reviewer Comment (XXXX): XXXX received disclosure tracking for the XXXX CD. Please provide the XXXX CD as it is not located in file. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (XXXX): fraud report received and updated .Exception cleared<br>Seller Comment (XXXX): (Rate Lock) fraud provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (XXXX): Documents received, system cleared. | XXXX |  |  | 1 B A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Client accept EV2 grade.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive<br>Reviewer Comment (XXXX): Appraisal report date is the same as the Note date. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing mortgage statements for properties XXXX. Loan file is missing Insurance verification for properties XXXX |  |  |  | Reviewer Comment (XXXX): Required documents provided. Free and clear properties do not have hazard.<br>Seller Comment (XXXX): attached revised XXXX closing docs<br>Seller Comment (XXXX): attached<br>Reviewer Comment (XXXX): Documents provided are not what is required. We require Mortgage statements(to verify PITIA) for properties XXXX. We also require Hazard insurance verification for properties XXXX.<br>Seller Comment (XXXX): ATTACHED | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing mortgage statements for properties XXXX |  |  |  | Reviewer Comment (XXXX): Documentation provided.<br>Seller Comment (XXXX): attached<br>Reviewer Comment (XXXX): For this loan, we are looking for the documents for XXXX XXXX. The closing package that was just provided is for the subject with a loan number ending XXXX, but XXXX has a loan number ending XXXX per the 1003.<br>Seller Comment (XXXX): attached closing package for 10600<br>Reviewer Comment (XXXX): The mortgage statement for XXXX is missing.<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: AddressXXXX<br> EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Insurance Verification<br> Insurance Verification<br> Statement<br> Insurance Verification<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception DetailXXXX<br> EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Statement<br> Insurance Verification<br> Insurance Verification<br> Statement<br> Statement<br> Insurance Verification<br>Seller Comment (XXXX): Insurance verification for properties XXXX. are not required. These properties are owned Free and Clear buy other LLC's. The costs of these properties are run through other businesses. Property profiles were previously provided that show the LLC name and XXXX is a XXXX. No homeowners.<br>Seller Comment (XXXX): See attached Note and the first payment letter on XXXX, XXXX and XXXX Ave<br>Reviewer Comment (XXXX): Documents uploaded are not what is required. Still missing mortgage statements for properties XXXX<br>Seller Comment (XXXX): see attached | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received valid COC documents | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. Insufficient or no cure was provided to the borrower. | Recording fee amount of XXXX exceeds the tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (XXXX): (Rate Lock) Was included on final CD page 2 | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee Amount of $XXXX exceeds tolerance of XXXX. Valid change of circumstance or sufficient cure was not provided. |  |  |  | Reviewer Comment (XXXX): XXXX received valid COC documents | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 12-Month Mortgage History for Subject Property was not provided. |  |  |  | Reviewer Comment (XXXX): Received mortgage history in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached mortgage payment history | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved FICO score of 669 vs 680 for property being a non-war property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 11.88046% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 98.16<br> Guideline Requirement: 6.00<br>Borrower has verified disposable income of at least XXXX. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's missing in file. |  |  |  | Reviewer Comment (XXXX): Received 10003 in trailing docs.<br>Seller Comment (XXXX): ATTACHED - INITIAL 1003 | XXXX |  |  | 1 B A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for management company not being named on crime/fidelity company. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Reserves: 87.81<br> Guideline Requirement: 3.00<br>DTI: 14.93284% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 776 | XXXX | Reviewer Comment (XXXX): Lender exceptions with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception requesting to vest in LLC on 2nd home. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Reserves: 87.81<br> Guideline Requirement: 3.00<br>DTI: 14.93284% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 776 | XXXX | Reviewer Comment (XXXX): Lender exceptions with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. | Title Policy Amount of XXXX is less than the note amount of $XXXX |  |  |  | Reviewer Comment (XXXX): Client elects to waive<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance policy has a coverage shortfall of is $XXXX |  |  |  | Reviewer Comment (XXXX): Replacement Cost Estimator document received, and information updated. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) RCE provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception to exceed max LTV of 80% per matrix and take to 84%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 40.09<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please clear<br>Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception to exceed max CLTV of 80% per matrix and take to 84%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 40.09<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please clear<br>Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested to appraisal report received includes comparable sales over 15 miles away, some up to 29 miles away. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Stable rural market. Appraiser notes this market has typical marketing times of less than six months and no known locational factors that might adversely affect the value.<br>Sponsor has operated this property since it was acquired in XXXX XXXX. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Operating Agreement in file is unexecuted. |  |  |  | Reviewer Comment (XXXX): Received executed Operating agreement in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached executed operating agreement | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD Missing in Loan File. |  |  |  | Reviewer Comment (XXXX): Received Closing statement in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached final settlement statement | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Operating agreement is not executed. |  |  |  | Reviewer Comment (XXXX): Received executed Operating agreement in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached executed operating agreement | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the appraisal was not provided. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of .XXXX % on Final Closing Disclosure provided on XXXX is under-disclosed from the calculated APR of XXXX % outside of XXXX % tolerance. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXX did not disclose the required Broker Contact Information (Broker Name, Broker XXXX ID, Contact Name, Contact XXXX ID). |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream XXXX that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | 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 if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on pageXXXX . |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXX did not disclose Product. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year XXXX of on Final Closing Disclosure provided on XXXX are underdisclosed |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether property taxes are included in escrow. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page XXXX that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX did not disclose Estimated Property Costs over Year XXXX for loan with no escrow account established. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least XXXX XXXX business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs.<br>Reviewer Comment (XXXX): XXXX received email confirmation from title that incomplete final CD in file is produced by title. However, there is no signed copy of final CD in file. Please provide copy of final CD to re-baseline the fees. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Received true signed copy of the final CD in trailing docs.<br>Reviewer Comment (XXXX): XXXX received email confirmation from title that incomplete final CD in file is produced by title. However, there is no signed copy of final CD in file. Please provide copy of final CD to re-baseline the fees. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. |  |  |  | Reviewer Comment (XXXX): Received the updated closing statement, adjusted the funding date.<br>Seller Comment (XXXX): (Rate Lock) Final SS showing loan disbursed after recission ended | XXXX |  |  | 1 C A | XXXX | 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 C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan File. |  |  |  | Reviewer Comment (XXXX): Received HUD in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than the guideline minimum of 1.00. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 87.16<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 717 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XXXX <br> Disaster End Date: XXXX<br> Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (XXXX): Appraisal inspected after declaration date.<br>Seller Comment (XXXX): (Rate Lock) Appraisal date is after declared disaster date. Please downgrade to EV2 and waive. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 80% is greater than the max of 75% for loan amounts less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 54.62<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 80% is greater than the max of 75% for loan amounts less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 54.62<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender approved an exception for loan amount of XXXX which is less than the guideline minimum of XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 54.62<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781 | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXX did not disclose the required Broker Contact Information (Broker Name, Broker XXXX ID, Contact Name, Contact XXXX ID). | Broker XXXX ID was not disclosed on the Final closing disclosure. |  |  |  | Reviewer Comment (XXXX): LOE and PCCD provided<br>Seller Comment (XXXX): See attached PCCD, LOE and delivery |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (XXXX): Received asset documentation in trailing docs.<br>Seller Comment (XXXX): See attached wire for gift into closing escrow.<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient reserves. |  |  |  | Reviewer Comment (XXXX): Post dated asset docs provided.<br>Reviewer Comment (XXXX): The documents provided are post Note signing date. Provide any documentation you have reflecting the pre-closing gift to the borrower. This is eligible for downgrade and waive with sufficient supporting Compensating Factors.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to insufficient reserves. |  |  |  | Reviewer Comment (XXXX): Received asset documentation in trailing docs.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to insufficient reserves. |  |  |  | Reviewer Comment (XXXX): Post dated asset docs provided.<br>Reviewer Comment (XXXX): The documents provided are post Note signing date. Provide any documentation you have reflecting the pre-closing gift to the borrower. This is eligible for downgrade and waive with sufficient supporting Compensating Factors.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Loan file is missing sufficient asset documentation for sufficient reserves. |  |  |  | Reviewer Comment (XXXX): Received asset documentation in trailing docs.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See attached Gift letter and wire supporting sufficient assets to close and reserves. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Calculated Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. |  |  |  | Reviewer Comment (XXXX): Received asset documentation in trailing docs.<br>Seller Comment (XXXX): See trailing docs<br>Reviewer Comment (XXXX): A copy of wire receipt from donor to settlement agent is missing as required by Guidelines.<br>Seller Comment (XXXX): See trailing docs | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Asset documentation dated post close. Documentation dated at or prior to Note date required. |  |  |  | Reviewer Comment (XXXX): XXXX gift letter provided. Exception cleared. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Asset documentation dated post close. Documentation dated at or prior to Note date required. |  |  |  | Reviewer Comment (XXXX): XXXX gift letter provided. Exception cleared. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Asset documentation dated post close. Documentation dated at or prior to Note date required. |  |  |  | Reviewer Comment (XXXX): XXXX gift letter provided. Exception cleared. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender approved an exception for Loan amount of XXXX which is less than the guidelines minimum of XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 36.53<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 781<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 75% exceeds the max of 70% for a declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 75% exceeds the max of 70% for a declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing Electronic Consent. |  |  |  | Reviewer Comment (XXXX): Received the E-Consent | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception - Assigned purchase contract, borrower was originally just agent and is now both agent and seller. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception - Cousin is original purchaser and paid the EMD, allow this as a gift. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors.<br>Seller Comment (XXXX): (Rate Lock) Please downgrade and waive if lender approved exception |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception has been raise for borrower does not meet continuity of obligation for this investment cash-out transaction. Non-borrowing spouse purchased the property in XXXX and acquired a mortgage in XXXX that is being paid off through this refinance. Borrower was added to title in XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Comp Factor.<br>0x30x24<br>Lender Exception with Comp Factor.<br>Lender Exception with Comp Factor.<br>Lender Exception with Comp Factor. | XXXX | Reviewer Comment (XXXX): Lender Exception with Comp Factor.<br>Reviewer Comment (XXXX): Exception provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The 1008 and Final 1003 indicate the Borrowers income is $XXXX per month. The 24 months business bank statements calculate to $XXXX resulting in the elevated DTI ratios. |  |  |  | Reviewer Comment (XXXX): Received the supporting Closing Disclosure reducing the payment of the borrower's primary residence. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Mortgage Statement and a legible tax certificate are missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX. |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX. |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A legible tax certificate is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the supporting REO documents | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116063 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2<br>Seller Comment (XXXX): (Rate Lock) lender accepts EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing for XXXX |  |  |  | Reviewer Comment (XXXX): Updated Guarantor Agreement provided.<br>Reviewer Comment (XXXX): XXXX signed the Note and Guaranty agreement, per guidelines- All guarantors must meet minimum tradeline requirement.<br>Seller Comment (XXXX): (Rate Lock) XXXX is not a borrower on the loan, she is an owner of the LLC | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is missing |  |  |  | Reviewer Comment (XXXX): Received final 1003 in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) BP loan 1003 not required provided for INFO only | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (XXXX): Received OFAC for guarantor in trailing docs.<br>Reviewer Comment (XXXX): XXXX signed the Note and Guaranty agreement, per guidelines- An OFAC search is required for borrowers, guarantors and any member of the borrowing entity owning 25% or more.<br>Seller Comment (XXXX): (Rate Lock) XXXX is not a borrower on the loan, she is an owner of the LLC | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing for guarantor XXXX. |  |  |  | Reviewer Comment (XXXX): Updated Guarantor Agreement provided.<br>Reviewer Comment (XXXX): XXXX signed the Note and Guaranty agreement, per guidelines- All guarantors must meet minimum tradeline requirements.<br>Seller Comment (XXXX): (Rate Lock) XXXX is not a borrower, she is an owner of the LLC | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing for guarantor XXXX. |  |  |  | Reviewer Comment (XXXX): Received OFAC in trailing docs.<br>Reviewer Comment (XXXX): XXXX signed the Note and Guaranty agreement, per guidelines- An OFAC search is required for borrowers, guarantors and any member of the borrowing entity owning 25% or more.<br>Seller Comment (XXXX): (Rate Lock) XXXX is not a borrower, she is an owner of the LLC | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 application is missing in file. |  |  |  | Reviewer Comment (XXXX): Received final 1003 in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to permit a cash-out refinances to non-permanent resident. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 112.87<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 60.00000%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 727 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception requesting to allow loan amount above XXXX XXXX at 90% LTV. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: 30.78008% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved exception requesting to allow loan amount above XXXX at 90% LTV. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: 30.78008% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing for XXXX |  |  |  | Reviewer Comment (XXXX): Received the Hazard policy and lot number discrepancy for the REO.<br>Seller Comment (XXXX): (Rate Lock) Docs provided<br>Reviewer Comment (XXXX): Exception Remains - Property Address "XXXX reflects land only on document Property history Report (DOC ID XXXX) and on final 1003 the same property has full PITIA payment. Wherein, the Hazard insurance Doc ID XXXX shows the address as "XXXX". If the correct property is XXXX than provide the corrected 1003 and letter stating both the properties are same.<br>Seller Comment (XXXX): (Rate Lock) Docs provided showing the addresses are 1 in the same<br>Reviewer Comment (XXXX): Provided Insurance document for different property, Please provide Insurance document for XXXX Exception remains.<br>Seller Comment (XXXX): (Rate Lock) HOI provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX): Received valid COC in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) CIC states "Hello, corrected lock was requested, updating from Lender Pay to Borrower Pay. Please put Origination fee of 2.25% as prelim CD was requested." The borrower requested this change, therefore valid CIC and nothing further is needed.<br>Reviewer Comment (XXXX): XXXX received Changed Circumstance dated 0XXXX, but it does not give sufficient information on why compensation plan changed. In order to determine if the changed circumstance is valid more information is necessary on reason for plan change and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Seller Comment (XXXX): (Rate Lock) CIC Provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX): XXXX received 0XXXX CD 3 business days prior to consummation.<br>Seller Comment (XXXX): (Rate Lock) No change in APR therefore this CD did not need to be viewed 3 days prior as waiting period was not re-opened | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Borrower is a first-time homebuyer purchasing a 2nd home and the LTV of 90% exceeds the guideline max of 85%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Reserves: 10.97<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Borrower is a first-time homebuyer purchasing a 2nd home and the LTV of 90% exceeds the guideline max of 85%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Reserves: 10.97<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File is missing evidence of receipt of Appraisal at least 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter in file does not indicate withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Cash Flow Document provided.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Received the CFA documenting business impact.<br>Reviewer Comment (XXXX): Document is required to verify that there is no negative impact on business from withdrawal of funds. Exception remains.<br>Seller Comment (XXXX): (Rate Lock) CFA was completed showing no negative impactt | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Cash Flow Document provided.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Received the CFA documenting business impact.<br>Reviewer Comment (XXXX): Document is required to verify that there is no negative impact on business from withdrawal of funds. Exception remains.<br>Seller Comment (XXXX): (Rate Lock) CFA was completed showing no negative impactt | XXXX |  |  | 1 B A C | XXXX | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Cash Flow Document provided.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Received the CFA documenting business impact.<br>Reviewer Comment (XXXX): Document is required to verify that there is no negative impact on business from withdrawal of funds. Exception remains.<br>Seller Comment (XXXX): (Rate Lock) CFA was completed showing no negative impactt | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Cash Flow Document provided.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Received the CFA documenting business impact.<br>Reviewer Comment (XXXX): Document is required to verify that there is no negative impact on business from withdrawal of funds. Exception remains.<br>Seller Comment (XXXX): (Rate Lock) CFA was completed showing no negative impactt | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | CPA letter in file does not indicate withdrawal of funds from business bank account will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Cash Flow Document provided.<br>Reviewer Comment (XXXX): .<br>Reviewer Comment (XXXX): Received the CFA documenting business impact.<br>Reviewer Comment (XXXX): Document is required to verify that there is no negative impact on business from withdrawal of funds. Exception remains.<br>Seller Comment (XXXX): (Rate Lock) CFA was completed showing no negative impactt | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file is missing a Security Instrument. |  |  |  | Reviewer Comment (XXXX): Received the Security Instrument.<br>Seller Comment (XXXX): (Rate Lock) DOT provided | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Purchase | D A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title shows municipal tax liens on subject property. No evidence of payoff/payment plan was provided in file. |  |  |  | Reviewer Comment (XXXX): Clear Pro Forma provided.<br>Seller Comment (XXXX): (Rate Lock) Please see attached pro forma title policy showing those items removed | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.93 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. Guidelines requirement not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 26.56<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 759 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use 5 year lease agreement and evidence of 1st and last month's receipt and security deposit. Effective date of lease is XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 26.56<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 759 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal at least three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Client accepts EV2<br>Seller Comment (XXXX): (Rate Lock) lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal at least three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Client accepts EV2<br>Seller Comment (XXXX): (Rate Lock) lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $250.00 exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XXXX and signed by the by borrower XXXX, not received at least four business days prior to closing. |  |  |  | Reviewer Comment (XXXX): XXXX received rebuttal about the LE consent date.<br>Seller Comment (XXXX): (Rate Lock) Borrower e-consented and mailbox date is XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2<br>Seller Comment (XXXX): (Rate Lock) LEnder accepts the EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage is insufficient by $XXXX based on the loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (XXXX): Received the proper insurance coverages.<br>Seller Comment (XXXX): (Rate Lock) RCE provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (XXXX): Received the flood policy.<br>Seller Comment (XXXX): (Rate Lock) flood provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date XXXX, Note Date XXXX | The effective date is after the subject closed. |  |  |  | Reviewer Comment (XXXX): The policy effective date is the same as funding.<br>Seller Comment (XXXX): (Rate Lock) Loan funded XXXX therefore this is acceptable | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception to waive escrows with LTV of 90% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years. | Guidelines Representative FICO: 700<br> Representative FICO: 778 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception to waive escrows with LTV of 90% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years. | Guidelines Representative FICO: 700<br> Representative FICO: 778 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | Lender approved exception for DTI of 51.80% which exceeds exceeds Guideline total debt ratio of 50.00000%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 57.33333%<br> Guideline Maximum Loan to Value: 80.00000%<br>Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 753 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX): System cleared with Compensating Factors from Lender Exception. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI is more than 45% |  |  |  | Reviewer Comment (XXXX): System cleared with Compensating Factors from Lender Exception. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.80930% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 57.33333%<br> Guideline Maximum Loan to Value: 80.00000%<br>Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 753 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of XXXX is less than AUS required disposable income of XXXX. | Lender approved exception provided for residual income being less than XXXX.00. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 57.33333%<br> Guideline Maximum Loan to Value: 80.00000%<br>Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 753 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Exception Requested:<br>Requesting exception to allow VOR only to be used for rent verification from private landlord as borrower pays cash, VOR indicates no lates since 5/2022. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC.<br>Seller Comment (XXXX): See attached VCOC for credit exception and credit exception to support. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow use of borrower retrieved transcripts for XXXX | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 30.16<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116093 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing Tax and Insurance verification for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Verification that property is in LLC provided. Cleared.<br>Seller Comment (XXXX): See attached property profile demonstrating that REO is owned by LLC.<br>Reviewer Comment (XXXX): Cannot use a Lender generated VOM for the evidence of who is on the title to the property. Please provide tax cert/bill to verify title holder.<br>Seller Comment (XXXX): Owned and paid for by LLC not the borrower as an individual. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Minimum DSCR required as per guidelines is 1.00, calculated DSCR is 0.86. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exceptions provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a non-arms length transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exceptions provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 100% of the down payment being a gift of equity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exceptions provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | XXXX | XXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (XXXX): Received appraisal with correct effective date in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached appraisal report effective date XXXX which matches the desk review | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller closing disclosure is missing |  |  |  | Reviewer Comment (XXXX): SiutsXXXX Received Copy of Seller CD. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. |  |  |  |  | Reviewer Comment (XXXX): XXXX Received Copy of Seller CD. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to use market rent from appraisal instead of current lease amount. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XXXX missing evidence of receipt. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) Please apply EV2 exception to clear this file for purchase<br>Seller Comment (XXXX): (Rate Lock) Please apply an EV3 exception , this is not a HPML file<br>Reviewer Comment (XXXX): Exception cannot be cleared because final appraisal with report date XXXX was not received by borrower at least 3 business days prior to closing.<br>Seller Comment (XXXX): (Rate Lock) Please see attached initial appraisal showing a different value. Please review and clear the condition<br>Reviewer Comment (XXXX): Proof that the appraisal with report date XXXX was provided, however, borrower did not acknowledge receipt of delivery at least 3 business days prior to closing. XXXX is a XXXX, Note date is XXXX. A copy of all appraisals is required to be delivered to the borrower at least 3 business days prior to closing.<br>Seller Comment (XXXX): (Rate Lock) Please see attached and that has been provided before. PLEASE REVIEW AND ADVISE<br>Reviewer Comment (XXXX): Please provide proof of receipt of the XXXX appraisal. Loan file contains proof that 0XXXX appraisal which revised the value was emailed to the borrower, however there is no proof of receipt which means it was not received 3 days prior to closing. The initial appraisal which had its value revised on 0XXXX is not in the file and there is no evidence of delivery. Due to a value change, the initial report and evidence of receipt is required.<br>Seller Comment (XXXX): (Rate Lock) Please see attached the initial appraisal , along with the proof of delivery for the one dated on the XXXX . Please also be advised that the revision was because the original Appraisal report was missing floorplan sketch.<br>Reviewer Comment (XXXX): Appraisal dated XXXX was provided to the borrower prior to the report date. The acknowledgment of receipt provided did not disclose if the borrower waived their right to review the appraisal or their receipt of the appraisal 3 days before closing. Please provide evidence the XXXX report was sent to the borrower.<br>Seller Comment (XXXX): (Rate Lock) Please see the attached appraisal waive , also the proof of delivery dated after the effective date of the appraisal , and that is acceptable since it is not an HPML loan. please review and waive the condition |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal with report date XXXX was provided to borrower prior to the date it was performed. Appraisal provided date is XXXX. |  |  |  | Reviewer Comment (XXXX): Delivery in file.<br>Reviewer Comment (XXXX): Appraisal dated XXXX was provided to the borrower prior to the report date. The acknowledgment of receipt provided did not disclose if the borrower waived their right to review the appraisal or their receipt of the appraisal 3 days before closing.<br>Seller Comment (XXXX): (Rate Lock) Please see the attached appraisal waive , also the proof of delivery dated after the effective date of the appraisal , and that is acceptable since it is not an HPML loan. please review and waive the condition | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Please provide a copy of the initial appraisal with the initial determined value, prior to the revision on XXXX and evidence of delivery of both report as there was a value change. |  |  |  | Reviewer Comment (XXXX): Received appraisal in trailing docs.<br>Seller Comment (XXXX): (Rate Lock) Please see attached the initial appraisal dated XXXX. and this is has been provided before. please review and clear the condition<br>Reviewer Comment (XXXX): Appraisal reflects an update on 0XXXX which changed the value to $XXXX. Please provide the initial report that required an update.<br>Seller Comment (XXXX): (Rate Lock) Please see attached the initial appraisal , along with the proof of delivery for the one dated on the XXXX . Please also be advised that the revision was because the original Appraisal report was missing floorplan sketch. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan file is missing proof of borrower's receipt of the appraisal with report date XXXX. |  |  |  | Reviewer Comment (XXXX): Client elects to waive.<br>Seller Comment (XXXX): (Rate Lock) Please apply EV2 exception to clear this file for purchase<br>Seller Comment (XXXX): (Rate Lock) Please apply an EV3 exception , this is not a HPML file |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116104 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception previously approved provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow the use of market rents as all units are vacant. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | LTV less than 70% and at least 5% less than guideline minimum<br>FICO higher than 740 and at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>Borrower has worked in same job more than 3 years.<br>Borrower has worked u=in same industry more than 5 years.<br>Borrower has real estate investment experience as seasoned investor with more than 2 prior investments. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow cash-out refinance in LLC name that borrower is not 50% owner of. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | LTV less than 70% and at least 5% less than guideline minimum<br>FICO higher than 740 and at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>Borrower has worked in same job more than 3 years.<br>Borrower has worked u=in same industry more than 5 years.<br>Borrower has real estate investment experience as seasoned investor with more than 2 prior investments. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.81 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>0x30x24 housing payment history. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender exception approval in file for DSCR @ .80 and First Time Investor | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Updated CFs provided<br>Reviewer Comment (XXXX): Please provide updated Compensating Factors. 4 months additional reserves is not valid. There are only 3.71 mo additional reserves over the requirement. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | 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 3 days of the loan application date. | Evidence of borrower's receipt of the right to receive a copy of the appraisal disclosure within 3 days of the loan application date was not provided. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding<br>Seller Comment (XXXX): Please waive XXXX accepts EV 2 please waive.<br>Reviewer Comment (XXXX): Application in loan file shows LO signature date as XXXX. Was there an earlier LE provided to the borrower?<br>Seller Comment (XXXX): See attached |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | 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 three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding.<br>Seller Comment (XXXX): Please waive EV 2 and close. XXXX accepts EV 2<br>Reviewer Comment (XXXX): If LO signed on XXXX that is likely indicative of when application (6 pieces of information) was submitted/received and should be captured as the application date. XXXX appears to be the date 1003 and initial docs were prepared and sent to borrower electronically for signing. Note, several docs in file underwriting conditional approval, XXXX, and the disclosure summary indicate app date was XXXX but we can't ignore the earlier LO signature date so we will need an LOE from creditor explaining which of the 6 pieces of information that constitute an application was not submitted on XXXX when LO took the app and was not submitted until XXXX to support their use of XXXX app date.<br>Seller Comment (XXXX): It is an error the document wasn't even generated until XXXX as shown on the documents lower right corner. It is auto populated when document is generated.<br>Reviewer Comment (XXXX): Application in loan file shows LO signature date as XXXX. Was there an earlier LE provided to the borrower?<br>Seller Comment (XXXX): See attached Counseling lost and proof of timely delivery |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure dated XXXX, was not provided to Borrower at least three business days prior to closing |  |  |  | Reviewer Comment (XXXX): XXXX received 0XXXX CD 3 business days prior to consummation.<br>Seller Comment (XXXX): Please see attached Initial CD and delivery | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was not delivered to Borrower within three business days of application. |  |  |  | Reviewer Comment (XXXX): XXXX received LOA.<br>Seller Comment (XXXX): See attached LO attestation<br>Reviewer Comment (XXXX): If LO signed on XXXX that is likely indicative of when application (6 pieces of information) was submitted/received and should be captured as the application date. XXXX appears to be the date 1003 and initial docs were prepared and sent to borrower electronically for signing. Note, several docs in file underwriting conditional approval, XXXX, and the disclosure summary indicate app date was XXXX but we can't ignore the earlier LO signature date so we will need an LOE from creditor explaining which of the 6 pieces of information that constitute an application was not submitted on XXXX when LO took the app and was not submitted until XXXX to support their use of XXXX app date.<br>Seller Comment (XXXX): Error document not been generated until XXXX see auto generated XXXX on the bottom right of the same form.<br>Reviewer Comment (XXXX): Application in loan file shows LO signature date as XXXX. Was there an earlier LE provided to the borrower?<br>Seller Comment (XXXX): See attached Loan estimate delivered XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $230.00 exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Reinspection Fee was added on closing disclosure issued XXXX with no valid change of circumstance or cure provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received valid COC dated XXXX<br>Seller Comment (XXXX): See attached CD dated XXXX<br>Reviewer Comment (XXXX): XXXX received COC and condition added on 0XXXX but as per comment no CD dated 0XXXX in file. Please provide CD dated 0XXXX for review.<br>Seller Comment (XXXX): Discovery was XXXX and condition set. see attached. The VCOC and redisclosure done XXXX with in 3 days. The XXXX date is not the date the loan was re-disclosed. There is no XXXX CD just XXXX<br>Reviewer Comment (XXXX): XXXX received changed circumstance dated 0XXXX, but a corresponding CD was not provided. Also, as per COC provide underwriter's log when Condition set for Appraisal re-inspection fee. Please provide CD along with underwriter's log for further analysis.<br>Seller Comment (XXXX): See attached VCOC for re-inspection fee | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow PTIN for preparer of borrower most recent 2 years tax returns and letter confirming borrower current self-employed status on P&L only program. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 7.29<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 750<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $XXXX | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in the file. |  |  |  | Reviewer Comment (XXXX): Received COGS in trailing docs. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender exception approved for LTV exceeding the guidelines maximum of 70% for loans less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 94.22<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 721 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender exception approved for CLTV exceeding the guidelines maximum of 70% for loans less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 94.22<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 721 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender exception approved for Loan amount being less than the guideline minimum of XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 94.22<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 721 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116117 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Provide a post-disaster inspection from indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (XXXX): 1004 post disaster.<br>Reviewer Comment (XXXX): Unable to waive/downgrade. A post-disaster inspection is required to clear this exception.<br>Seller Comment (XXXX): (Rate Lock) Appraisal was done after it was declared, Please downgrade to an EV2 and waive | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for being unable to fully document rental payment history for primary. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender Exception with Comp Factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) updated comp factors provided<br>Reviewer Comment (XXXX): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Seller Comment (XXXX): (Rate Lock) Exception approved for this |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance policy has a coverage shortfall of $XXXX |  |  |  | Reviewer Comment (XXXX): RCE provided.<br>Seller Comment (XXXX): Replacement cost provided by insurance company is less than loan amount, providing their letter | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance and Tax Verification for the REO property located at XXXX. |  |  |  | Reviewer Comment (XXXX): Property History Report provided confirms taxes and the property is vacant land, no insurance required.<br>Seller Comment (XXXX): Vacant land property taxes<br>Seller Comment (XXXX): XXXX. is vacant land, providing property profile and property taxes | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | A Mortgage statement is missing for the REO property located at 1XXXXe. |  |  |  | Reviewer Comment (XXXX): Received the Approval and prelim CD for the self reported new property acquisition.<br>Seller Comment (XXXX): (Rate Lock) Loan is still pending and has not closed see attached conditional approval and initial CD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file is missing a completion certificate. |  |  |  | Reviewer Comment (XXXX): Received verification the smoke detectors were installed per the initial appraisal. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2.<br>Seller Comment (XXXX): (Rate Lock) EV2 - accept please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage statement missing for investment property to verify escrows. |  |  |  | Reviewer Comment (XXXX): Received the CD and Approval for the self reported new property acquisition.<br>Seller Comment (XXXX): (Rate Lock) Loan is still pending and has not closed see attached conditional approval and initial CD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to mortgage statement missing for investment property to verify escrows. |  |  |  | Reviewer Comment (XXXX): Received the CD and Approval for the self reported new property acquisition.<br>Seller Comment (XXXX): (Rate Lock) Loan is still pending and has not closed see attached conditional approval and initial CD | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Mortgage statement missing for investment property to verify escrows. |  |  |  | Reviewer Comment (XXXX): Received the CD and Approval for the self reported new property acquisition.<br>Seller Comment (XXXX): (Rate Lock) Loan is still pending and has not closed see attached conditional approval and initial CD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Mortgage statement missing for investment property to verify escrows. |  |  |  | Reviewer Comment (XXXX): Received the CD and Approval for the self reported new property acquisition.<br>Seller Comment (XXXX): (Rate Lock) Loan is still pending and has not closed see attached conditional approval and initial CD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | HPML Findings result in the Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM/ | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. |  |  |  |  | Reviewer Comment (XXXX): Received the letter of explanation for the business account change from XXXX | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has 2 businesses that have not been open 2 years. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower only has 1 months rent receipt to utilize new rental income, which does not meet Guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Credit | Income | Document Error | Income | Bank statement page number is blank. |  | Loan file missing bank statements for account ending XXXX. |  |  |  | Reviewer Comment (XXXX): Received the letter of explanation for the business account change from XXXX, XXXX. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing required evidence of receipt for rental income, bank statements and 2 years self employment for 2 businesses. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Received the LOX converting the XXXX XXXX.<br>Reviewer Comment (XXXX): Received the letter of explanation for the business account change from XXXX, XXXX. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan file missing required evidence of receipt for rental income, bank statements and 2 years self employment for 2 businesses. |  |  |  | Reviewer Comment (XXXX): Received the letter of explanation for the business account change from XXXX, XXXX. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan file missing required evidence of receipt for rental income, bank statements and 2 years self employment for 2 businesses. |  |  |  | Reviewer Comment (XXXX): Pre-close lender exception approved by senior manage based on comp factors/alt documentation. Loan is Non-QM.<br>Reviewer Comment (XXXX): Pricing Exception Requested<br> Request Date: XXXX<br> Investor Approval Date: XXXX<br>Compensating Factors:<br>Borrower Exception Requested:<br> Borrower has 3 SE businesses for qualifying - 2 of them dont meet the 2 year requirement one started XXXX and the other XXXX - 3rd business has been active for 9 years.<br> Also, borrower has an investment property that was recently leased and only has verification of 1 months rent received and security deposit.<br>Reviewer Comment (XXXX): Pricing Exception Requested<br> Request Date: XXXX<br> Investor Credit Approval Date: XXXX<br> Investor Trading Approval Date: XXXX<br>Compensating Factor Categories:<br> FICO higher than 740, AND at least 20 points higher than guideline minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than 3 years; Borrower has worked in same industry more than 5 years; Borrower has verified residual income (disposable income) of at least XXXX per month<br>Compensating Factors:<br> Borrower Exception Requested:<br> Borrower has 3 SE businesses for qualifying - 2 of them dont meet the 2 year requirement one started XXXX and the other XXXX - 3rd business has been active for 9 years.<br> Also, borrower has an investment property that was recently leased and only has verification of 1 months rent received and security deposit.<br> Customer Compensating Factors:<br>Customer Exception Conditions: | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. |  | Miscellaneous<br>Borrower's Experience/Track Record | LTV 5% below requirement.<br>Borrower's Experience/Track Record. The borrower has: 2 Years of Experience. | XXXX | Reviewer Comment (XXXX): Lender Exception with Com Factors. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Business accounts provided do not belong to the borrower. |  |  |  | Reviewer Comment (XXXX): Lender exception to use spouse's assets remedied exception.<br>Reviewer Comment (XXXX): There are not enough Compensating Factors to warrant down grade and waive.<br>Seller Comment (XXXX): (Rate Lock) CF updated<br>Reviewer Comment (XXXX): Please provide additional Compensating Factors. Unable to downgrade and wive with current Comp Factors. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (XXXX): Lender exception to use spouse's assets remedied exception.<br>Reviewer Comment (XXXX): There are not enough Compensating Factors to warrant down grade and waive.<br>Seller Comment (XXXX): (Rate Lock) CF updated<br>Reviewer Comment (XXXX): Please provide additional Compensating Factors. Unable to downgrade and waive with current Comp Factors. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow borrower to use non-borrowing spouse's business assets. | Miscellaneous<br>Borrower's Experience/Track Record | LTV 5% below requirement.<br>Borrower's Experience/Track Record. The borrower has: 2 Years of Experience. | XXXX | Reviewer Comment (XXXX): Lender Exception with Comp Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use 100% of business assets when borrower owns 51% of the business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender exception provided with compensating factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Additional factors added to exception, please review<br>Reviewer Comment (XXXX): Please provide additional comp factors supporting 4 lender exceptions. Currently only one valid comp factor has been provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure does not indicate the reason why they do not have an escrow account on page #4. |  |  |  | Reviewer Comment (XXXX): XXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX): (Rate Lock) PCCD provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 90% exceeds max of 80% for borrower living rent free and escrow waivers. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender exception provided with compensating factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Additional factors added to exception, please review<br>Reviewer Comment (XXXX): Please provide additional comp factors supporting 4 lender exceptions. Currently only one valid comp factor has been provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | CLTV of 90% exceeds max of 80% for borrower living rent free and escrow waivers. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender exception provided with compensating factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Additional factors added to exception, please review<br>Reviewer Comment (XXXX): Please provide additional comp factors supporting 4 lender exceptions. Currently only one valid comp factor has been provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested to exclude business debt with only 11 months history of payments. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender exception provided with compensating factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX and DTI exceeding the guideline maximum of 55%. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to missing CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX and DTI exceeding the guideline maximum of 55%. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX and DTI exceeding the guideline maximum of 55%. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX and DTI exceeding the guideline maximum of 55%. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX and DTI exceeding the guideline maximum of 55%. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a CPA letter or a signed operating agreement showing the ownership percentage of borrower in XXXX. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status.<br>Seller Comment (XXXX): (Rate Lock) Please advise where 'XXXX' is referenced | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated DTI of 58.64% exceeds the guideline maximum of 55% due to lender qualifying bank statement income with borrower's personal account and business bank accounts which is prohibited per guidelines. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 58.64835% moderately exceeds the guideline maximum of 55.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated DTI of 58.64% exceeds the guideline maximum of 55% due to lender qualifying bank statement income with borrower's personal account and business bank accounts which is prohibited per guidelines. |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  |  |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX): The business license for the Co-Borrower and letter of explanation verify the ownership status. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Mortgage statement, Insurance Verification and Tax Verification for property address XXXX |  |  |  | Reviewer Comment (XXXX): Received REO documents. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. |  |  |  | Reviewer Comment (XXXX): Received updated title is trailing docs. | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX | Missing a PDI, Disaster Declaration Date: XXXX. (no end date) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for Unique property type; Zoned as Commercial (C2) in front &, Agriculture (A1) in rear. Guidelines do not allow agricultural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 20.13653% <br> Guideline Maximum DTI: 43.00000%<br>Reserves: 32.10<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date XXXX, Disbursement Date: XXXX |  |  |  | Reviewer Comment (XXXX): Received the corrected Hazard policy effective date. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a 4 unit property with an accessory unit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Reserves: 358.38<br> Guideline Requirement: 9.00<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) XXXX Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.32624% or Final Disclosure APR of 8.57200% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%. Compliant Higher Priced Loan. | APR on subject loan of 8.32624% or Final Disclosure APR of 8.57200% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of XXXX or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender approved exception for 3 months of reserves versus 6 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to PITIA reserves less than guideline requirement of 6.0 resulting in loan designation discrepancy. The loan file does not contain a CPA and/or a cash flow analysis for the use of business funds for closing reflecting the use of these funds will not have a negative impact to the Business. |  |  |  | Reviewer Comment (XXXX): CPA letter provided.<br>Seller Comment (XXXX): (Rate Lock) exception was approved for reserves | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to PITIA reserves less than guideline requirement of 6.0.The loan file does not contain a CPA and/or a cash flow analysis for the use of business funds for closing reflecting the use of these funds will not have a negative impact to the Business. |  |  |  | Reviewer Comment (XXXX): CPA letter provided.<br>Seller Comment (XXXX): (Rate Lock) exception was approved for reserves | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file does not contain a CPA and/or a cash flow analysis for the use of business funds for closing reflecting the use of these funds will not have a negative impact to the Business. The borrower is short the required 6 months reserves. |  |  |  | Reviewer Comment (XXXX): Access to funds letter provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. The credit report fee increased to $XXXX without a valid change of circumstance.Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX): (Rate Lock) This was on the final CD pg2 please review | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file does not contain a CPA and/or a cash flow analysis for the use of business funds for closing reflecting the use of these funds will not have a negative impact to the Business. |  |  |  | Reviewer Comment (XXXX): Exception cleared - Evidence of access to fund received and updated clarity. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided within 60 Days of Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender approved exception for borrower not having 12 months of cancelled rent checks or bank statements required by guidelines for non-institutional lender. Borrower pays the rent in cash every month, VOR was provided by the landlord. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Comp Factors.<br>Lender Exception with Comp Factors.<br>Lender Exception with Comp Factors. | XXXX | Reviewer Comment (XXXX): Lender Exception with Comp Factors.<br>Reviewer Comment (XXXX): exception captured<br>Seller Comment (XXXX): (Rate Lock) Exception was approved for this |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence in file of borrower's receipt of appraisal. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure was not received by the borrower within reasonable time prior to closing. |  |  |  | Reviewer Comment (XXXX): Disclosure given within reasonable time prior to closing. Insurance was in place 14 days before closing. Exception cleared.<br>Seller Comment (XXXX): (Rate Lock) Please see attached | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of borrower's receipt of the appraisal at least three business days prior to closing. |  |  |  | Reviewer Comment (XXXX): Client accepts EV2.<br>Seller Comment (XXXX): (Rate Lock) Not sure why do we need the appraisal waive since we already have the email proof that the appraisal has been sent to the borrower within the 3 days, however , please be advised that we always have the waiver in the closing package . Please also see attached here. Kindly review and please apply an EV2 exception if needed. THANK YOU .<br>Seller Comment (XXXX): (Rate Lock) Not sure why do we need the appraisal waive since we already have the email proof that the appraisal has been sent to the borrower with the 3 days, however , please be advised that we always have the waiver in the closing package . Please also see attached here. Kindly review and please apply an EV2 exception if needed. THANK YOU .<br>Reviewer Comment (XXXX): Proof of the delivery method required. The disclosure in file does not indicate if there was a waiver or if it was received 3 days prior to close. Please provide evidence of date of receipt.<br>Seller Comment (XXXX): (Rate Lock) Please see attached the appraisal report dated XXXX and the proof of delivery Email sent to the borrower same date of the appraisal XXXX, and that what we are always provide for the proof of delivery. Please review and advise |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The XXXX report is not the initial appraisal. Please provide the report and the date the borrower received the initial appraisal dated prior to XXXX. |  |  |  | Reviewer Comment (XXXX): Client accepts EV2.<br>Seller Comment (XXXX): (Rate Lock) Not sure why do we need the appraisal waive since we already have the email proof that the appraisal has been sent to the borrower within the 3 days, however , please be advised that we always have the waiver in the closing package . Please also see attached here. Kindly review and please apply an EV2 exception if needed. THANK YOU .<br>Seller Comment (XXXX): (Rate Lock) Not sure why do we need the appraisal waive since we already have the email proof that the appraisal has been sent to the borrower with the 3 days, however , please be advised that we always have the waiver in the closing package . Please also see attached here. Kindly review and please apply an EV2 exception if needed. THANK YOU . |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) This should not require an exception, this leave comp factors up to UW. Borrower has 770 FICO, No derogs, and 30 months of reserves |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Loan file is missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations for the account ending XXXX. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Loan file is missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations for the account ending XXXX. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Loan file is missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations for the account ending XXXX. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for loan amount of $XXXX with LTV at 80% & DTI of 42% (Max LTV is 65% with loan amount over $3 mill ^ Max DTI is 38%) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 37.89<br> Guideline Requirement: 12.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved exception for loan amount of $XXXX with LTV at 80% & DTI of 42% (Max LTV is 65% with loan amount over $3 mill ^ Max DTI is 38%) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 37.89<br> Guideline Requirement: 12.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | Lender approved exception for loan amount of $XXXX with LTV at 80% & DTI of 42% (Max LTV is 65% with loan amount over $XXXX ^ Max DTI is 38%) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 37.89<br> Guideline Requirement: 12.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2<br>Seller Comment (XXXX): (Rate Lock) Lender acccepts EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of borrower's receipt of the appraisal three business days prior to consummation was not provided. |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2<br>Seller Comment (XXXX): (Rate Lock) Lender acccepts EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 42.48527% moderately exceeds the guideline maximum of 38.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender approved an exception for DTI of 42.48% which is more than the guideline minimum of 38%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 37.89<br> Guideline Requirement: 12.00 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided and no valid COC provided. |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations. |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file is missing evidence of use of business funds that verifies that the withdrawal of funds for the transaction will not have a negative impact on the business and its continued operations. |  |  |  | Reviewer Comment (XXXX): Business accounts removed. Sufficient funds available.<br>Seller Comment (XXXX): (Rate Lock) 1003 removing business funds. They are getting XXXX from the sale of the home that they are using to buy this one. We only need XXXX to close leaving them XXXX excess. We certainly don't need them for this transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Please provide additional Compensating Factors. Unable to downgrade and waive with current Comp Factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 102 is greater than the minimum required DSCR of 100. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) CF added please review<br>Reviewer Comment (XXXX): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Please provide additional Compensating Factors. Unable to downgrade and waive with current Comp Factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 102 is greater than the minimum required DSCR of 100. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) CF added please review<br>Reviewer Comment (XXXX): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for gift funds of $XXXX exceeding the max allowable of 10% of the $XXXX purchase prices. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | 0x30x24<br>9.81 > 6.0 required | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please clear |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (XXXX): PPP Addendum provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Supplement provided.<br>Seller Comment (XXXX): (Rate Lock) Please see attached supplemental report showing loan amount | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property has an unpermitted addition. Verification collateral is acceptable requested. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) See attached loan exception approval from the buyer<br>Reviewer Comment (XXXX): Please verify unpermitted addition is acceptable. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Signed and executed 4506-C was not provided. |  |  |  | Reviewer Comment (XXXX): XXXX provided and 1 yr tax transcripts. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to missing Signed and executed 4506-C and insufficient reserves. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required & The EMD proof received and updated clarity. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to missing Signed and executed 4506-C and insufficient reserves. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required.<br>Reviewer Comment (XXXX): Insufficient reserves. Provided and cleared : XXXX provided and 1 yr tax transcripts. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 4.52 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (XXXX): Exception cleared - The EMD proof received and updated clarity.<br>Seller Comment (XXXX): (Rate Lock) Evidence of EMD clearing | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Signed and executed 4506-C was not provided. |  |  |  | Reviewer Comment (XXXX): XXXX and 1 yr transcripts provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for LTV at 85% - DTI at 50% & to waive the 1007 requirement on depXXXXg residence. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 787 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient reserves and missing signed 4506-C. |  |  |  | Reviewer Comment (XXXX): Exception cleared - XXXX received in lien of 4506-C and updated clarity as required & The EMD proof received and updated clarity. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of 4.52 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (XXXX): Exception cleared - The EMD proof received and updated clarity.<br>Seller Comment (XXXX): (Rate Lock) Evidence of EMD clearing | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Provide Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Combined Loan to Value: 65.00000%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 711 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (XXXX): May Stmt provided for XXXX.<br>Seller Comment (XXXX): (Rate Lock) Statement provided for XXXX showing +XXXX,000<br>Reviewer Comment (XXXX): SS reflects $XXXX for CTC and XXXX,000 for EMD = $XXXX, short $XXXX 1003 shows a balance for XXXX of over $XXXX for XXXX. Only April statement in file.<br>Seller Comment (XXXX): (Rate Lock) Signed SS shows borrower has sufficient funds. No lender docs reflect the borrower needing to bring in %XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. |  |  |  | Reviewer Comment (XXXX): May Stmt provided forXXXX.<br>Seller Comment (XXXX): (Rate Lock) Statement provided for MayXXXX showing +XXXX,000<br>Reviewer Comment (XXXX): SS reflects $XXXX for CTC and XXXX for EMD = $XXXX. Borrower has $XXXX, short $XXXX. 1003 shows a balance forXXXX of over $XXXX. Only April statement in file.<br>Seller Comment (XXXX): (Rate Lock) Signed SS shows borrower has sufficient funds. No lender docs reflect the borrower needing to bring in %XXXX<br>Reviewer Comment (XXXX): The purchase price from the Closing Statement provided indicates the sales price is $XXXX with a loan amount of $XXXX plus borrower paid C/C.<br>Seller Comment (XXXX): (Rate Lock) Please advise where this number is coming from as the initial itemized worksheet shows cash due of XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural properties ineligible for investor occupancy | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Mortgage History 0X30 since inception XXXX | XXXX | Reviewer Comment (XXXX): Lender exception approval in file |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | Lender approved exception to allow felony charge against borrower filed XXXX for organized retail theft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Mortgage History 0X30 since inception XXXX | XXXX | Reviewer Comment (XXXX): Lender exception approval in file |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Borrower being self employed less than 2 years and less than 2 years in the same industry. Prior job was in a different field. | Borrower has verified disposable income of at least XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: 785 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provide XXXX XXXX business bank statement account #XXXX from borrower to calculate income. |  |  |  | Reviewer Comment (XXXX): Received the missing bank statement. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Provide XXXX XXXX business bank statement account XXXX from borrower to calculate income. |  |  |  | Reviewer Comment (XXXX): Received the missing bank statement. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide XXXX XXXX business bank statement account XXXX from borrower to calculate income. |  |  |  | Reviewer Comment (XXXX): Received the missing bank statement. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (XXXX): Received the Fraud Report, no further findings resulted. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for borrower who has been self-employed for less than 2 years (16 months) - Prior employment was not in the same line of work. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception approved prior to closing |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XXXX contains a change in APR and loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | The CD issued XXXX and signed XXXX left page 5 loan calculations section blank resulting in the violation of the APR change. |  |  |  | Reviewer Comment (XXXX): XXXX received rebuttal that XXXX CD with blank page 5 loan calculations was settlement agent CD. No change in APR.<br>Seller Comment (XXXX): (Rate Lock) Confirmation that is an Escrow CD and should not be used in the calculation | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX does not indicate the reason for no escrows on page 4. |  |  |  | Reviewer Comment (XXXX): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX): (Rate Lock) PCCD provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX. A valid COC or sufficient cure was not provided to the borrower. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (XXXX): (Rate Lock) Cure was applied at close | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of 0.00000% compared to the actual APR at consummation of 6.94623% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | The CD issued XXXX and signed XXXX left page 5 loan calculations section blank resulting in the violation of the APR change. |  |  |  | Reviewer Comment (XXXX): XXXX received rebuttal that XXXX CD with blank page 5 loan calculations was settlement agent CD. No change in APR.<br>Seller Comment (XXXX): (Rate Lock) Confirmation that is an Escrow CD and should not be used in the calculation<br>Reviewer Comment (XXXX): XXXX XXXX - Pertinent sections of the CD are blank and has been marked as incomplete. This CD was signed by borrower, and therefore was provided to the borrower. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report is missing evidence of receipt. |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | FICO of 690 is less than the required minimum of 720 for a loan with a DSCR less than 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing for subject property. |  |  |  | Reviewer Comment (XXXX): Received the Flood Certificate, no further findings. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Debt Service Coverage Ratio 0.99 does not meet Guideline Debt Service Coverage Ratio 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 29.91<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 710<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | Social Security Number red flag on Fraud report was not addressed. |  |  |  | Reviewer Comment (XXXX): Review confirmed on 1008.<br>Seller Comment (XXXX): (Rate Lock) 1008 confirms the SSN was verified | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR under 1.0 due to vacant unit. Income reduction of 25% of XXXX for that unit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing W2 and W2 transcripts. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has insufficient trade lines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Income documentation missing for full documentation requirements. |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM.<br>Seller Comment (XXXX): Please advise specifically what is missing. Paystubs and a written VOE were int he files as well as VVOE. Please advised. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Income documentation missing for full documentation requirements. |  |  |  | Reviewer Comment (XXXX): Credit exceptions downgraded and waived with Compensating Factors, resulting in the waive of Compliance Exceptions.<br>Reviewer Comment (XXXX): Regraded to EV2-B based on Senior Approval that WVOE covers the year to date and the previous 2 years of income along with compensating factors.<br>Seller Comment (XXXX): Please advise specifically what is missing. Paystubs and a written VOE were int he files as well as VVOE. Please advised. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan file missing income documentation. |  |  |  | Reviewer Comment (XXXX): Loan is Non-QM with pre-close lender exception to address guideline deficiency.<br>Seller Comment (XXXX): Please advise specifically what is missing. Paystubs and a written VOE were int he files as well as VVOE. Please advised. | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for use of Gift funds from parent in XXXX of $XXXX which exceeds the minimum 10% borrower contribution and foreign assets being ineligible for use. Gift funds to be used for reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 142.00<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 742<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | A Completion Certificate is missing in Loan File. |  |  |  | Reviewer Comment (XXXX): Received confirmation for the smoke detector installation. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | XXXX | XXXX | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation viaDesk Review, Field Review, or 2nd URAR, as required by client. |  | Secondary valuation is missing in file. |  |  |  | Reviewer Comment (XXXX): CDA provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender requested an exception which was approved for DSCR of 0.956. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception updated to .99 |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOA budget shows that they have a reserve contribution expense of less than 1% (located on PDF page 2 of the budget). Additionally, the HOA's Fidelity coverage of $XXXX is just short of the required coverage of $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX): Lender exception with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. | Final closing disclosure disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX threshold. |  |  |  | Reviewer Comment (XXXX): XXXX received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (XXXX): Please see attached new XXXX and proof of delivery viaXXXX.<br>Reviewer Comment (XXXX): XXXX received copies of unexecuted RTC's. However, theXXXX tracking picked up XXXX was not received 3 business days prior to the cancel by expiration date on the RTC reflected as XXXX to allow 3 day waiting period. Will need to reopen rescission to all consumers to meet requirements.<br>Seller Comment (XXXX): Please see attached XXXX that also went out with the check to the borrower.<br>Reviewer Comment (XXXX): XXXX 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. The prior RTC's provided on XXXX were not executed and no proof of delivery. Cancel by date was XXXX and would of required proof of delivery/receipt at least 3 business days prior to that cancel by date. Unable to cure the reopening of rescission portion. Please provide to finalize.<br>Seller Comment (XXXX): Please see attached.<br>Reviewer Comment (XXXX): Per TRID Grid 4.0, Remediation Considerations, ROW 7…Note, inaccurate APR, Finance Charge, or TOP resulting from fee-related under disclosures will require a refund check to cure and cannot be cured with a loan modification (principal curtailments are not permissible). In the case of under disclosures resulting from both fees and incorrect MI or margin used to calculate TOP, remediation can be in the form of one lump sum refund cash/check or lender/assignee can cure using a combination of remediation methods (ex. check and margin reduction; check and principal curtailment; check and lender paid MI).<br>Seller Comment (XXXX): Please see attached LOX, PCCD, payment history, and XXXX.<br>Reviewer Comment (XXXX): There is still a TOP exception for the Final CD at closing being under-disclosed by $XXXX. TOP disclosed amount was $XXXX and the correct calculated amount should be $XXXX<br> Pursuant to TRID Grid 4.0, there is a $XXXX tolerance on TOP under-disclosures pursuant to the special rules on foreclosures under 1026.23(h). This $XXXX tolerance is specifically addressed in TRID Grid 4.0 as shown: 1026.23(h): Cure may be made, within 60 days of discovery, by providing: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (XXXX): PCCD reflecting principal reduction in the amount of $XXXX in section H. However, TOP exception resulting from fees prepaid at origination requires cash/check refund. LOE, notifying borrower of under disclosure, copy of refund check in the amount of $XXXX, new XXXX and proof of delivery (receipt) required to cure.<br>Seller Comment (XXXX): (Rate Lock) Also please see attached the updated PCCD reflecting the cure on section H<br>Seller Comment (XXXX): (Rate Lock) Please see attached the payment history reflecting the cure of the amount of $XXXX . will provide the updated PCCD as soon as possible. |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender exception for no reduction in LTV due to loan amount under $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 84.28<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 748<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender exception requesting no deduction in LTV due to declining market and loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 84.28<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 748<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender exception requesting no deduction in LTV due to declining market and loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: 84.28<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 748<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  | Missing Assignment of Leases/Rents. |  |  |  | Reviewer Comment (XXXX): Received 1-4 family rider. Exception cleared.<br>Seller Comment (XXXX): A fully executed 1-4 Family Rider was in the legal package which is the same as the assignment of rents. See attached (this can be found in the legal package on page 67-70. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Missing Assignment of leases/rent in file |  |  |  | Reviewer Comment (XXXX): Received 1-4 family rider. Exception cleared.<br>Seller Comment (XXXX): This was in the legal pkg - see attached 1-4 Family Rider. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Missing Business Purpose Certificate in file. |  |  |  | Reviewer Comment (XXXX): Received Business Purpose Certificate document. Exception cleared.<br>Seller Comment (XXXX): Please see attached - this was in the legal pkg, found on pages 97-98. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing Guarantor Agreement in file. |  |  |  | Reviewer Comment (XXXX): Received guarantor agreement. Exception cleared.<br>Seller Comment (XXXX): The guaranty agreement was in the legal pkg - can be found on pages 117-165. | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing Final HUD/CD in file. |  |  |  | Reviewer Comment (XXXX): Received the subject CD dated XXXX.<br>Seller Comment (XXXX): Both of these are in the legal package - pg 1-3 and 23-27. Please see attached.<br>Seller Comment (XXXX): Both of these are in the legal package - please see attached. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing Security Instrument in file. |  |  |  | Reviewer Comment (XXXX): Received security instrument document. Exception cleared.<br>Seller Comment (XXXX): Please see attached deed of trust. | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use Trust income of $XXXX/month without 12 months' history of receipt as required.by guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of XXXX is less than AUS required disposable income of XXXX. | Lender approved exception for disposable income less than $XXXX | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided within 60 Days of Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow value from CDA as variance is greater than 10% which requires 2nd appraisal but LTV is under 20%. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Lease agreement is not provided in file |  |  |  | Reviewer Comment (XXXX): Received the Hazard Policy confirming the premium.<br>Seller Comment (XXXX): Hazard is $XXXX as reflected on the attached binder. Please also see the HUD for the full annual premium of $XXXX<br>Reviewer Comment (XXXX): The Hazard Insurance on the worksheet provided is $XXXX per month. The policy provided is $XXXX per month, resulting in the discrepancy.<br>Seller Comment (XXXX): Please see attached DSR calculation worksheet. Shows DSCR ratio 100.54 Please advise where XXXX difference is. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Exception Request for DSCR below 1.000 (0.94). does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception was approved prior to closing |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for POA with no borrower signing at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception was approved prior to closing |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 80% exceeds max of 75% for a XXXX condo. |  |  |  | Reviewer Comment (XXXX): Received the proper designation for the property.<br>Seller Comment (XXXX): (Rate Lock) Per Appraisal property is a PUD | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 80% exceeds max of 75% for a XXXX condo. |  |  |  | Reviewer Comment (XXXX): Received the proper designation for the property.<br>Seller Comment (XXXX): (Rate Lock) Per Appraisal property is a PUD | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines state, Strong compensating factors must be present for FTHB transactions. Evidence of compensating factors missing from file. | Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) This should not require an exception, this leaves comp factors up to UW and borrower is putting 30% down, still have 12 months reserves, 707 fico. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | The Collateral Desktop Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX received Letter of Explanation, Refund check & Corrected CD<br>Seller Comment (XXXX): (Rate Lock) Docs provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX Insufficient or no cure was provided to the borrower. | The Credit Report Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (XXXX): (Rate Lock) Docs provided |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the appraisal at least 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (XXXX): Lender accepts the EV2 finding.<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Exception Requesting for Loan amount less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous | The DSCR of 1.32 is greater than the minimum required DSCR of 1.00.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) 3 strong CFs for 2 exceptions. How many additional CFs needed?<br>Reviewer Comment (XXXX): Additional compensating factors are required to downgrade.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV exceeds max of 70% for a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous | The DSCR of 1.32 is greater than the minimum required DSCR of 1.00.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) 3 strong CFs for 2 exceptions. How many additional CFs needed?<br>Reviewer Comment (XXXX): Additional compensating factors are required to downgrade.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV exceeds max of 70% for a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous | The DSCR of 1.32 is greater than the minimum required DSCR of 1.00.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) 3 strong CFs for 2 exceptions. How many additional CFs needed?<br>Reviewer Comment (XXXX): Additional compensating factors are required to downgrade.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116217 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received LOX rebuttal response with additional information to the pricing change for a valid Changed circumstance.<br>Seller Comment (XXXX): (Rate Lock) LOE provided<br>Reviewer Comment (XXXX): XXXX Received rebuttal; however, required detailed information about the UW exception which changed the pricing and lender credit was removed or provide Cure Docs. Cure Docs Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Seller Comment (XXXX): (Rate Lock) CIC shows there was a change in pricing, and due to the exception from the lock confirmation. This is valid as pricing was changed due to needing an UW exception. Please clear.<br>Reviewer Comment (XXXX): XXXX received rate lock that shows UW exception adjustment but the reason why UW exception was provided not provided on COC. Please provide more information on what new information has received that required UW exception on loan that resulted in increase in closing cost or cure would be due to the borrower.<br>Seller Comment (XXXX): (Rate Lock) LC from 6/27 provided showing there was a change in pricing due to a U/W exception Adjustment of -0.250% that was applied to the loan<br>Reviewer Comment (XXXX): XXXX received Rate lock on XXXX.However, we would require a valid COC for the lender credit on CD dated XXXX. Kindly provide detailed COC for the lender credit decreased on CD dated XXXX or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (XXXX): (Rate Lock) Lock confirmation provided showing there was a change in pricing due to an UW adjustment that required an exception | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116217 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing bank statement income when borrower only owns 20% of family owned business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: 26.51<br> Guideline Requirement: 6.00<br>DTI: 11.88136% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 741 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116217 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing to use gift funds as down payment and reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: 26.51<br> Guideline Requirement: 6.00<br>DTI: 11.88136% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 741 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception at origination for DSCR score 0.85 does not meet Guideline Debt Service Coverage Ratio of 1.00. Compensating factor FICO 746, 12 month reserves as waiving escrows. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Requesting exception for borrower living rent-free with DSCR below 1.000 (0.75) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>9 mortgages on credit, 0x30x24. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception approved on loan please review |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | The Document Preparation Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX received LOE for detailed reason for change.<br>Reviewer Comment (XXXX): "XXXX received Changed Circumstance dated XXXX for change in program which affected lender credit but it does not give sufficient information on why the Document preparation fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (XXXX): "XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the Document preparation fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> " | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX. A valid COC or sufficient cure was not provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Exception for 3 months reserves instead of 6 months | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Exception for 3 months reserves instead of 6 months |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Exception for 3 months reserves instead of 6 months |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX received a valid COC.<br>Seller Comment (XXXX): Please see attached VCOC showing lower rate increasing the Discount points | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Two months are required. Only one month bank statement was provided for acct ending XXXX. |  |  |  | Reviewer Comment (XXXX): Additional bank statement provided.<br>Seller Comment (XXXX): (Rate Lock) See attached two months of bank statements for XXXX), May and June. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The guidelines require 9 months reserves. |  |  |  | Reviewer Comment (XXXX): Additional bank statement provided.<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 7.63 is less than Guideline PITIA months reserves of 9.00.<br>Seller Comment (XXXX): (Rate Lock) Cash due from borrower at closing per the final settlement statement was $XXXX. We collected four checking accounts: 1) XXXX, which totals $XXXX left over after closing. Monthly PITIA is $XXXX, which results in ~13 months total PITIA reserves. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 75% exceeds max of 70% for short term rentals. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 177 months of current and previous mortgage history with no delinquency | XXXX | Reviewer Comment (XXXX): Lender exception approval in file |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 75% exceeds max of 70% for short term rentals. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 177 months of current and previous mortgage history with no delinquency | XXXX | Reviewer Comment (XXXX): Lender exception approval in file |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Ev2 lender wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal receipt is missing. |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) EV2 accepted please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | XXXX | XXXX | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation viaDesk Review, Field Review, or 2nd URAR, as required by client. |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (XXXX): CDA provided. Cleared. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX): XXXX1 CD provided. Cleared.<br>Seller Comment (XXXX): (Rate Lock) ICD sent XXXX1, which is 8 days prior to close, and viewed XXXX. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing Articles of Organization for borrowing entity. |  |  |  | Reviewer Comment (XXXX): Provided.<br>Seller Comment (XXXX): (Rate Lock) Articles provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for flip transaction which is non arm length. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property is rural and does not meet guidelines requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Experienced Investor. 40STRs. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please see attached loan exception approval from loan buyer<br>Seller Comment (XXXX): (Rate Lock) Loan exception for 80% LTV was granted by the investor. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Experienced Investor. 40STRs.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX | XXXX | Reviewer Comment (XXXX): PDI provided.<br>Reviewer Comment (XXXX): Can be cleared.<br>Reviewer Comment (XXXX): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX<br>Seller Comment (XXXX): (Rate Lock) Please see attached PDI showing the property is free and clear of any disaster-related damage. Okay to downgrade to EV2 and waive if needed | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (XXXX): Not required by Guidelines. Borrower owns all units. <4 is treated as SFR.<br>Seller Comment (XXXX): (Rate Lock) N/A - Reviewer is to review against XXXX DSCR guidelines which state in Section 2E, page 6 (the last sentence of this section), "Note: any condo located in a condo project with four or fewer units should be considered an 'SFR'"<br>Reviewer Comment (XXXX): Sent for review to verify property change which will result in exceptions is acceptable.<br>Seller Comment (XXXX): (Rate Lock) N/A - Appraisal notes the total number of units in the project is four. Per ESC DSCR Streamline Series Guidelines, "any condo located in a condo project with four or fewer units should be considered an SFR." Project review documentation is not required in this case. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio of 0.54 does not meet meet Guideline Debt Service Coverage Ratio 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Lender Exception with Compensating Factors provided.<br>Over 40 STR properties owned. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please see attached loan buyer exception approval<br>Reviewer Comment (XXXX): Guidelines state STR is not eligible for Cash out refinance -<br> • Loan Purpose = Rate-Term Refinance or Cash-Out Refinance<br> o Not Eligible (exceptions considered on case-by-case basis).<br>Seller Comment (XXXX): (Rate Lock) Underwritten Monthly Rent is XXXX based on 100% of XXXX projections. Annual EGI is $XXXX, total expenses are $XXXX, and annual debt service is $XXXX, which results in a 1.003x DSCR. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (XXXX): PDI provided.<br>Seller Comment (XXXX): (Rate Lock) See attached PDI showing the property is free and clear of any disaster-related damage. Okay to waive and downgrade to EV2 if needed | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | STR not eligible for refinance transactions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Hoa questionnaire and project approval both are missing in file. |  |  |  | Reviewer Comment (XXXX): Not required by Guidelines. Borrower owns all units. <4 is treated as SFR.<br>Seller Comment (XXXX): (Rate Lock) N/A - Reviewer is to review against XXXX DSCR guidelines which state in Section 2E, page 6 (the last sentence of this section), "Note: any condo located in a condo project with four or fewer units should be considered an 'SFR'"<br>Reviewer Comment (XXXX): Sent for review to verify property change which will result in exceptions is acceptable.<br>Seller Comment (XXXX): (Rate Lock) N/A - Appraisal notes the total number of units in the project is four. Per ESC DSCR Streamline Series Guidelines, "any condo located in a condo project with four or fewer units should be considered an SFR." Project review documentation is not required in this case. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Debt Service Coverage Ratio of 0.59 does not meet the require guideline DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>40 STRs owned. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided<br>Seller Comment (XXXX): (Rate Lock) Please see attached loan buyer exception approval<br>Reviewer Comment (XXXX): Per Guidelines, STR not eligible for Cash out refinance.<br> • Loan Purpose = Rate-Term Refinance or Cash-Out Refinance<br> o Not Eligible (exceptions considered on case-by-case basis).<br>Seller Comment (XXXX): (Rate Lock) Underwritten Monthly Rent is $XXXX based on 100% of XXXX projections. Annual EGI is $XXXX, total expenses are $XXXX, and annual debt service is $XXXX, which results in a 1.092x DSCR. We received loan exception approval by the investor for DSCR < 1.25x. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXX) and evidence of at least 12 months of Operating History is not present in the loan file. |  | Operating History was not provided, property is being converted to a short term rental. \*\*\*\*\*\* Update XXXX - Refinance not eligible for STR properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>40 STRs owned. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please provide where it states in XXXX DSCR guidelines that evidence of at least 12 months of operating history is required on an STR.<br>Reviewer Comment (XXXX): Exception only states the DSCR is less than required, not that the missing documentation is being waived.<br>Seller Comment (XXXX): (Rate Lock) Please see attached loan buyer exception approval<br>Reviewer Comment (XXXX): Per Guidelines, STR not eligible for Cash out refinance. • Loan Purpose = Rate-Term Refinance or Cash-Out Refinance o Not Eligible (exceptions considered on case-by-case basis).<br>Seller Comment (XXXX): (Rate Lock) Property conversion took place in XXXX, according to the appraisal. Additionally, the property underwent recent renovations including updates to the kitchen and bathrooms. Since a full trailing 12 months of short-term rental operating history is not available, we used 100% of XXXX projections for underwritten effective gross income. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (XXXX): Clear inspection provided.<br>Seller Comment (XXXX): (Rate Lock) Please see attached PDI showing the property is free and clear of any disaster-related damage. Okay to waive and downgrade to EV2 if needed | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property not having a permanent heating source. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR does not meet the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (XXXX): Received Tax Payer Consent. | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient assets to satisfy reserve requirement. |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's assets are insufficient to satisfy reserve requirement. |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial CD dated XXXX is not complete. |  |  |  | Reviewer Comment (XXXX): XXXX received LOE and disclosure summary | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Assets in file are insufficient to satisfy the reserve requirement. | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous<br>Borrower has been employed in the same industry for more than 5 years. | 700>680 required<br>0X30X24 months<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's assets are insufficient to satisfy reserve requirement. | Borrower has verified disposable income of at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous<br>Borrower has been employed in the same industry for more than 5 years. | 700>680 required<br>0X30X24 months<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower's assets are insufficient to satisfy reserve requirement. |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Omit business debt on credit less than 6 months. Equipment lease taken out XXXX. Business equipment lease and 3 months business payment receipt available. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Lender exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Excessive DTI results in the Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (XXXX): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX): (Rate Lock) Exception for DTI provided<br>Reviewer Comment (XXXX): Updated for payment of XXXX accounts provided. DTI decreased to 51.48%. Debt summary show XXXX as omitted and XXXX pay off is not in file.<br>Seller Comment (XXXX): (Rate Lock) Updated credit supp provided provided<br>Reviewer Comment (XXXX): The Guidelines require 6 months seasoning for the XXXX accounts to be excluded. The statements verify 5.<br>Seller Comment (XXXX): (Rate Lock) Both XXXX auto loans and XXXX auto are paid by business, please refer the transaction details on the same 12-month XXXX business account.?<br>Reviewer Comment (XXXX): ATR worksheet reflects 5 debts being omitted, however the file only shows 2 being paid off and the XXXX with 12 months being paid by business. XXXX accounts show no supporting docs to omit payments.<br>Seller Comment (XXXX): (Rate Lock) Please review the 1008 as the DTI is not 58%. Correct calc shows 49%<br>Reviewer Comment (XXXX): DTI 58.77%. Income $XXXX, Liabilities XXXX, Primary PITIA $XXXX, REOs match 1003: - $XXXX<br>Seller Comment (XXXX): (Rate Lock) Attached corrected 1008 showing the DTI is now 49.881% | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.73078% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The Negative cash flow from the 2 REO properties was not included in the ratio calculations, resulting in the excessive DTI. |  |  |  | Reviewer Comment (XXXX): Updated for payment of XXXX accounts provided. DTI decreased to 51.48%.<br>Seller Comment (XXXX): (Rate Lock) Updated credit supp provided provided<br>Reviewer Comment (XXXX): The Guidelines require 6 months seasoning for the XXXX accounts to be excluded. The statements verify 5.<br>Seller Comment (XXXX): (Rate Lock) Both XXXX auto loans and XXXX auto are paid by business, please refer the transaction details on the same 12-month XXXX business account.?<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 58.77121% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>Reviewer Comment (XXXX): ATR worksheet reflects 5 debts being omitted, however the file only shows 2 being paid off and the XXXX with 12 months being paid by business. XXXX accounts show no supporting docs to omit payments.<br>Seller Comment (XXXX): (Rate Lock) Please review the 1008 as the DTI is not 58%. Correct calc shows 49%<br>Reviewer Comment (XXXX): DTI 58.77%. Income XXXX, Liabilities XXXX, Primary PITIA XXXX, REOs match 1003: - XXXX and - XXXX.<br>Seller Comment (XXXX): (Rate Lock) Attached corrected 1008 showing the DTI is now 49.881% | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | The Negative cash flow from the 2 REO properties was not included in the ratio calculations, resulting in the excessive DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>FICO higher than 740, and at 20 points higher thn guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 55.73078% exceeds Guideline total debt ratio of 50.00000%.<br>Seller Comment (XXXX): (Rate Lock) Exception for DTI provided<br>Reviewer Comment (XXXX): Updated for payment of XXXX accounts provided. DTI decreased to 51.48%. Debt summary show XXXX as omitted and XXXX pay off is not in file.<br>Seller Comment (XXXX): (Rate Lock) Updated credit supp provided provided<br>Reviewer Comment (XXXX): The guidelines require 6 months seasoning for the XXXX accounts to be excluded. The statement provided verify 5 months, with ratios so close to the maximum we need the verification totaling 6 payments per guidelines.<br>Seller Comment (XXXX): (Rate Lock) Both XXXX auto loans and XXXX auto are paid by business, please refer the transaction details on the same 12-month XXXX business account.?<br>Reviewer Comment (XXXX): Missing exclusion documentation for 2 XXXX Payments.<br>Reviewer Comment (XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 58.77121% exceeds Guideline total debt ratio of 50.00000%.<br>Seller Comment (XXXX): (Rate Lock) Please review the 1008 as the DTI is not 58%. Correct calc shows 49%<br>Reviewer Comment (XXXX): DTI 58.77%. Income XXXX, Liabilities XXXX, Primary PITIA XXXX, REOs match 1003: - XXXX and - XXXX.<br>Seller Comment (XXXX): (Rate Lock) Attached corrected 1008 showing the DTI is now 49.881% |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Excessive DTI results in ATR risk. |  |  |  | Reviewer Comment (XXXX): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX): (Rate Lock) Exception for DTI provided<br>Reviewer Comment (XXXX): Updated for payment of XXXX accounts provided. DTI decreased to 51.48%. Debt summary show XXXX as omitted and XXXX pay off is not in file.<br>Seller Comment (XXXX): (Rate Lock) Updated credit supp provided provided<br>Reviewer Comment (XXXX): The guidelines require 6 months seasoning for the XXXX accounts to be excluded. The statement provided verify 5 months, with ratios so close to the maximum we need the verification totaling 6 payments per guidelines.<br>Seller Comment (XXXX): (Rate Lock) Both XXXX auto loans and XXXX auto are paid by business, please refer the transaction details on the same 12-month XXXX business account.?<br>Reviewer Comment (XXXX): Missing exclusion documentation for 2 XXXX Payments.<br>Seller Comment (XXXX): (Rate Lock) Please review the 1008 as the DTI is not 58%. Correct calc shows 49%<br>Reviewer Comment (XXXX): DTI 58.77%. Income XXXX, Liabilities XXXX, Primary PITIA XXXX, REOs match 1003: - XXXX and - XXXX.<br>Seller Comment (XXXX): (Rate Lock) Attached corrected 1008 showing the DTI is now 49.881% | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.48151% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Updated for payment of XXXX accounts provided. DTI decreased to 51.48%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>FICO higher than 740, and at 20 points higher thn guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors.<br>Seller Comment (XXXX): (Rate Lock) Exception for DTI provided |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) EV2 accepted please waive |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the appraisal provided comparable rentals 14+ miles from the subject with unknown lease expiration dates and the ADU rent schedule does not disclose the address of all comparable rentals. Additionally, the distance of some comparable sales exceed 40 miles from the subject. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) See attached loan buyer exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a cash-out refinance of a short-term rental. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) See attached loan buyer exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for sponsor being a first-time short term rental operator. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) See attached loan buyer exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXX) and evidence of at least 12 months of Operating History is not present in the loan file. |  | Lender approved an exception for borrower having a short-term rental shorter than 1 year. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 124.65<br> Guideline Requirement: 12.00<br>Debt Service Coverage Ratio: 1.58<br> Guideline Requirement: 1.00<br>Loan to Value: 64.51613%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 722 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (XXXX): CU score is 1 with a XXXX second appraisal is not required. Exception Cleared.<br>Seller Comment (XXXX): (Rate Lock) CU score is 1 with a XXXX and not a flip property. No CDA or second appraisal required per guidelines | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for LTV of 75% exceeding max of 70% for a condo in XXXX with a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 40.74<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 762 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for CLTV of 75% exceeding max of 70% for a condo in XXXX with a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 40.74<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 762 | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (XXXX): Bank Statement provided.<br>Seller Comment (XXXX): (Rate Lock) Doc provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  | Reviewer Comment (XXXX): Decree provided.<br>Seller Comment (XXXX): (Rate Lock) Divorce decree provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  |  |  |  |  | Reviewer Comment (XXXX): Duplicate Finding. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>multiple mortgages 0X30X24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject property which has a total of 2 ADU's. 1 normal ADU plus Junior ADU. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Exception Requested:<br> DTI of 46.664 at 90% LTV<br>Compensating Factors:<br> 734 FICO <br> VOR in file that supports payment history 0 x 30 since 2017<br> 20 months of reserves | Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please clear |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX00. Insufficient or no cure was provided to the borrower. | The Transfer Taxes and State Tax Stamps increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX): (Rate Lock) Applied at closing | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX | Missing a PDI, Disaster Declaration Date: XXXX |  |  |  | Reviewer Comment (XXXX): PDI provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 2 years of 4506-C is required signed by the borrower at the application date. |  |  |  | Reviewer Comment (XXXX): XXXX provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Initial 4506 C is required to be signed by the borrower on the application date. |  |  |  | Reviewer Comment (XXXX): XXXX provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing Income documents result in the Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (XXXX): XXXX provided.<br>Reviewer Comment (XXXX): An executed 4506 C is a required income document. | XXXX |  |  | 1 B A C | XXXX | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing Income documents result in ATR risk. |  |  |  | Reviewer Comment (XXXX): XXXX provided.<br>Reviewer Comment (XXXX): An executed 4506 C is a required income document. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Initial 4506 C is required to be signed by the borrower on the application date. |  |  |  | Reviewer Comment (XXXX): XXXX provided.<br>Reviewer Comment (XXXX): An executed 4506 C is a required income document. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a 1099 paid to business the borrower owns 100%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Please advise what is needed to clear this |  |  | XXXX | 2 C B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Final loan estimate was delivered on XXXX and the initial CD does not have an issue date on it. The initial CD has a closing date of XXXX. |  |  |  | Reviewer Comment (XXXX): XXXX received LOE and disclosure summary.<br>Reviewer Comment (XXXX): XXXX: The CD dated XXXX that was provided in the trailing images was also provided in the original loan package. However, XXXX LE and XXXX CD both sent to borrower on same day, the relationship between revised Loan Estimates and Closing Disclosures. The creditor shall not provide a revised version of the disclosures required under paragraph (e)(1)(i) of this section on or after the date on which the creditor provides the disclosures required under paragraph (f)(1)(i) of this section. While the rule and commentary in § 1026.19(e)(4)(ii) leave some room for interpretation as to what constitutes "provided", the final rule addresses the reasoning behind the requirement which is to prevent creditors from providing consumers with both estimates (LE) and actual costs (CD) at the same time; the consumer must receive the revised LE no later than 4 business days prior to consummation and the consumer must receive the CD no later than 3 business days prior to consummation - clearly indicating that the LE should be received prior to the CD; and as the final rule further explains above, on a different business day. Cannot cure timing violation. Additionally, if XXXX CD (document ID XXXX) was not presented to the borrower they may be removed from testing. LOA is required attesting to the CDs not being provided to the borrower is required. | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | No Defined cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX. Insufficient or no cure was provided to the borrower. | The lender credit was reduced on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX Received Valid COC along with supporting LOE and Rate lock.<br>Reviewer Comment (XXXX): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on what impacts and why the pricing was changed to decrease the lender credit. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV2 accepted please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV2 accepted please waive<br>Reviewer Comment (XXXX): Exception was already Regraded to EV2-B as the Fire Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners insurance but instead was disclosed under other.<br>Seller Comment (XXXX): (Rate Lock) EV2 accept please review<br>Reviewer Comment (XXXX): Regraded to EV2-B as the Fire Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners insurance but instead was disclosed under other.<br>Seller Comment (XXXX): (Rate Lock) FIRE insurance through a separate policy was included please see attached<br>Reviewer Comment (XXXX): Other insurance cost on page 1 is noted as yes, but insurance in file does not show any property insurance that should be separated into the other category. Please provide PCCD and LOE showing Other box as unchecked and "No,".<br>Seller Comment (XXXX): (Rate Lock) EV2 accepted please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of $181.00 plus 10% or $199.10. Insufficient or no cure was provided to the borrower. | The Recording was increased on the Final CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX Received Corrected PCCD, LOE and Final settlement statement.<br>Reviewer Comment (XXXX): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (XXXX): XXXX received PCCD and closing statement, however we also require LOE which accompanied the PCCD to finalize. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (XXXX): (Rate Lock) was included on final CD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 17 overdrafts/NSF/s in the past 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Requesting exception on a 3-unit property with Unit #2 being 252 XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approved for B1 living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.89 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | 0x30x24 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,044.35 exceeds tolerance of $1,898.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for continuity of obligation not met as borrower was deeded on property on XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For a first time investor, Guidelines require a DSCR > 1.0 and strong Compensating Factors. No Compensating Factors provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Estimated HUD1 used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): Please waive and clear. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Insurance verification and Mortgage Statement for XXXX |  |  |  | Reviewer Comment (XXXX): Received all supporting REO documents.<br>Seller Comment (XXXX): PITI mortgage statement for XXXX,<br>Reviewer Comment (XXXX): Received the condo policy, still need the mortgage statement for the REO XXXX<br>Seller Comment (XXXX): Please dis-regard previous upload-Master policy..., incorrect file. thank you<br>Seller Comment (XXXX): Providing master policy that includes "walls in" insurance coverage. Ho6 is not needed. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is missing. |  |  |  | Reviewer Comment (XXXX): Received the disclosure summary verifying the initial 1003 delivery.<br>Seller Comment (XXXX): Disclosure Tracking report<br>Seller Comment (XXXX): Providing initial 1003 for this business purpose loan and Disclosure Tracking Details report confirming when this was sent to borrower. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Borrower was not provided with the "Right to receive a copy of the appraisal disclosure" within 3 business days of the application. |  |  |  | Reviewer Comment (XXXX): Received the unified business disclosure<br>Seller Comment (XXXX): Unified Business Purpose Disclosure<br>Seller Comment (XXXX): Providing XXXX Disclosure Tracking Details report confirming the Unified Business Purpose Disclosure, that includes ECOA right to receive copy of appraisal was emailed to borrower within 3 days of application. Including copy of this disclsoure. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Association reserve allocation being 4.16 vs non warrantable guideline minimum of 5%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Subject units being XXXX XXXX vs guideline minimum of XXXX XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Association having condotel features. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX): Lender Exception provided with Compensating Factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Page 1 of 3 is Missing on HUD-1, Provide Final HUD. |  |  |  | Reviewer Comment (XXXX): Received the complete HUD-1.<br>Seller Comment (XXXX): (Rate Lock) HUD provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 75% exceeds max of 70% for loans with DSCR less than 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in the file |  |  |  | Reviewer Comment (XXXX): Received the Corporate Documents.<br>Seller Comment (XXXX): (Rate Lock) Docs provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file |  |  |  | Reviewer Comment (XXXX): Received the Corporate Documents.<br>Seller Comment (XXXX): (Rate Lock) Docs provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Approved exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Requesting exception for DSCR score below 1.00 (at .07500) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender requested an exception which was approved to allow DSCR 0.904. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX): (Rate Lock) Exception provided |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (XXXX): Signed closing statement provided.<br>Seller Comment (XXXX): (Rate Lock) Statement provided showing disbursement XXXX<br>Reviewer Comment (XXXX): Unable to use interest date for disbursement date. HUD-1 provided is not signed by the borrower. Please provide Closing Statement signed by the borrower at close and evidence of a disbursement date.<br>Seller Comment (XXXX): (Rate Lock) HUD is lender prepared and does not state final. It also does reflect the disbursement date and has interest. Please clear<br>Reviewer Comment (XXXX): Statement provided is not signed or stamped True and Certified by the closing agent, nor does it show the disbursement date.<br>Seller Comment (XXXX): (Rate Lock) HUD provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender exception approved for DSCR below 1 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | - Open Tradelines: XXXX | Guidelines require 3 open and reporting for the last 12 months with activity in the last months or 2 open and reporting for 24 months with activity in the last twelve months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX. Insufficient or no cure was provided to the borrower. | The Credit Report Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX): (Rate Lock) This was applied at closing | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XXXX): Received the initial 1003 and delivery confirmation.<br>Seller Comment (XXXX): Disclosure Tracking<br>Seller Comment (XXXX): Providing initial 1003 for this business purpose loan, including Disclosure Tracking Detail report confirming when it was emailed to the borrower. | XXXX |  |  | 1 B A | XXXX | XXXX | Investment | Purchase | C A B | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage is insufficient by $XXXX based on the Estimated Cost New, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (XXXX): Received the proper HOA policy.<br>Seller Comment (XXXX): Home owners insurance policy includes Replacement cost, this meets XXXX guidelines. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A B | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (XXXX): Received the disclosure and delivery confirmation.<br>Seller Comment (XXXX): Unified Business Purpose disclosure.<br>Seller Comment (XXXX): Providing XXXX Disclosure Tracking Details report confirming the Unified Business Purpose Disclosure, that includes ECOA was emailed to borrower with 3 days of application. Including copy of this disclosure sent to borrower. | XXXX |  |  | 1 B A | XXXX | XXXX | Investment | Purchase | C A B | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (XXXX): Received the disclosure and delivery confirmation.<br>Seller Comment (XXXX): Elect to Waive grade 2 for FACTA disclosure | XXXX |  |  | 1 B A | XXXX | XXXX | Investment | Purchase | C A B | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (XXXX): Condo questionnaire and HOA questionnaire properly document the subject property.<br>Seller Comment (XXXX): (Rate Lock) 1008 provided confirms non-warrantable | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Consumer Credit Code (First Lien Refinance Notice Not Provided) | XXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX or no cure was provided to the borrower. | The Appraisal Fee was increased on the LE dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Reviewer Comment (XXXX): XXXX The cure provided after closing on XXXX but the copy of check or true or certified final SS is not available in file to verify the cure provided to borrower. Please provide evidence of cure provided to borrower.<br>Seller Comment (XXXX): (Rate Lock) Valid CIC was completed as the appraisal fee increased XXXX per invoice. Lender re-disclosed within 3 business days of the ILE which is compliant per TRID. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX Insufficient or no cure was provided to the borrower. | The Credit Report Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (XXXX): (Rate Lock) It was on the CD signed at closing and is sufficient to clear this.<br>Reviewer Comment (XXXX): XXXX The cure provided after closing on XXXX but the copy of check or true or certified final SS is not available in file to verify the cure provided to borrower. Please provide evidence of cure provided to borrower.<br>Seller Comment (XXXX): (Rate Lock) Cure was applied at closing | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing a Security Instrument. |  |  |  | Reviewer Comment (XXXX): Security Instrument provided. | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Purchase | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (XXXX): Received the updated Dec page.<br>Seller Comment (XXXX): (Rate Lock) provided | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): XXXX received COC dated XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in Loan File. |  |  |  | Reviewer Comment (XXXX): Received the Fraud Report, no further findings.<br>Seller Comment (XXXX): Fraud report | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC missing in Loan File. |  |  |  | Reviewer Comment (XXXX): Received the Fraud Report with OFAC<br>Seller Comment (XXXX): Fraud report, OFAC clear on page 9 | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage is insufficient by $XXXX based on the Estimated Cost New, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (XXXX): Received the Hazard Replacement Cost options<br>Seller Comment (XXXX): HOI policy includes replacement cost, this meets XXXX guidelines. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file is missing a Guarantor Agreement for the signature authorization. |  |  |  | Reviewer Comment (XXXX): Received the Guarantee Agreement.<br>Seller Comment (XXXX): (Rate Lock) Provided | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Purchase | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV2 accept - please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  | Reviewer Comment (XXXX): XXXX received XXXX CD, received 3 business days prior to consummation.<br>Reviewer Comment (XXXX): XXXX received disclosure tracking for the XXXX CD. Please provide the XXXX CD as it is not located in file. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal receipt is missing from the file. |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal receipt is missing from the file. |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts an EV2.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts the EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | The Broker Fee was added to the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX received rebuttal comment and as per rate lock and available COC.<br>Seller Comment (XXXX): (Rate Lock) Lock confirmation shows BPC was requested and the loan was updated accordingly | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV2 accept - please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV2 accept - please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (XXXX): Documentation provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): XXXX received COC and CD dated XXXX. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification is missing for the REO property located at XXXX |  |  |  | Reviewer Comment (XXXX): Received the tax certificate for REO liabilities.<br>Seller Comment (XXXX): (Rate Lock) REO docs provided, AIN confirmed with address that correlates to tax doc | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total XXXX plus 10% or $XXXX. Insufficient or no cure was provided to the borrower. | The Recording Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX): XXXX Received Corrected PCCD and LOE as per true and certified final settlement statement.<br>Seller Comment (XXXX): (Rate Lock) Docs were provided<br>Reviewer Comment (XXXX): XXXX Received LOE; however, provide Corrected PCCD with updated fees and true and certified final settlement statement to verify loan closed as per provided PCCD.<br>Seller Comment (XXXX): (Rate Lock) Proof final recording fees decreased | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Non-permanent resident alien with EAD category A10. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for first time homebuyer. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of XXXX is greater than Guideline maximum loan amount of XXXX. | Loan exception approved for loan amount above $XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) Lender accepts EV2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to Single entity ownership is 26.47% vs guideline max of 25% Reserves is 3% vs guideline minimum requirement of 5%<br> Investor occupancy is 65.88% vs guideline max of 60%<br> HOA does not have Crime/Fidelity bond insurance policy | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to waive 5% LTV reduction for declining market. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for excessive overdrafts. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty | XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) Lender accepts Ev2 and wishes to waive |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (XXXX): Documentation provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in the file. |  |  |  | Reviewer Comment (XXXX): Documentation provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is missing |  |  |  | Reviewer Comment (XXXX): Not required.<br>Reviewer Comment (XXXX): We don't have the interspousal deed, we need one. Or the Consent form.<br>Seller Comment (XXXX): (Rate Lock) Not required on investment please review | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent Form is missing |  |  |  | Reviewer Comment (XXXX): Not required.<br>Reviewer Comment (XXXX): We don't have the interspousal deed, we need one. Or the Consent form.<br>Seller Comment (XXXX): (Rate Lock) Not required on investment please review | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for actual cash value on roofs. Roofs are greater than 15 years old and not covered at 100%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for condo reserves less than 10% but greater than 5%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: XXXX; Lien Position: XXXX |  |  |  |  | Reviewer Comment (XXXX): CDA provided.<br>Seller Comment (XXXX): (Rate Lock) Docs provided | XXXX |  |  | 1 A B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file |  |  |  | Reviewer Comment (XXXX): Business Purpose Cert provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in file. |  |  |  | Reviewer Comment (XXXX): HUD provided.<br>Seller Comment (XXXX): (Rate Lock) Escrow certified copy provided<br>Reviewer Comment (XXXX): Final signed copy of Certified copy from the title company required.<br>Seller Comment (XXXX): (Rate Lock) Final HUD provided | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (XXXX): Agreement provided.<br>Seller Comment (XXXX): (Rate Lock) Agreement provided | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender exception approved for DSCR of .86. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Representative FICO score of 633 is less than Guideline representative FICO score of 660. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX): Lender accepts EV2 grading<br>Seller Comment (XXXX): (Rate Lock) accept EV2 as is and wishes to proceed |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (XXXX): Client accepts EV2 and Waives.<br>Seller Comment (XXXX): (Rate Lock) EV 2 accept please waive |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Score of 767>required740 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (XXXX): System cleared after Lender Exception with Compensating Factors provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 50.14487% and based on 1026.43(c)(5) of 54.03% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Score of 767>required740 | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of 80% exceeds the max of 75% for a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of 80% exceeds the max of 75% for a loan amount under XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX): Lender Exception with Compensating Factors provided. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX): Client elects to waive with compensating factors. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Guidelines require the loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. Approval document is missing with DSCR calculation. |  |  |  | Reviewer Comment (XXXX): Received updated UW income worksheet. market rent used for DSCR calculation. exception cleared.<br>Buyer Comment (XXXX): notice to terminate lease. The current tenant for Unit A was served a notice to vacate by the seller. The rents used for qualifying were based on the rent comparable schedule since the tenant will not be remaining in the unit.<br>Reviewer Comment (XXXX): DSCR 1.36 reflects as per DSCR calculator where lender used higher market rents as $XXXX / PITIA $XXXX = 1.36 VS reviewed DSCR 0.93 ($XXXX. Also guide require "Gross Income is the lower of the actual monthly rent on the lease agreement and the monthly market rent (Form 1007 or Form 1025) from the subject property appraisal. If the lease agreement reflects higher monthly rent than the appraisal, the lease amount up to 115% of market rent may be used for monthly gross income with two most recent months proof of receipt showing consecutive rental payments. exception remains for updated DSCR calculation worksheet.<br>Buyer Comment (XXXX): DSCR Calculation | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Gift funds are not allowed for closing or reserve as per guidelines, required a most recent monthly or quarter statement to meet the reserve. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): investor exception approval<br>Reviewer Comment (XXXX): HUD-1 received reflects $XXXX gift have been used for closing/reserves which is not allowed per guide. as per guide : Gift funds are not allowed. exception remains.<br>Buyer Comment (XXXX): HUD |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Gift funds are not allowed for closing or reserve as per guidelines, required a most recent monthly or quarter statement to meet the reserve. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): investor exception approval<br>Reviewer Comment (XXXX): Received Asset worksheet confirming the total asset balance available. however gift funds are not allowed for closing and reserves hence are excluded from asset qualification. Required Additional Asset to meet closing and Reserve requirement. Exception Remains.<br>Buyer Comment (XXXX): asset worksheet |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than XXXX days prior to the note date. |  | Credit Report date is more than XXXX days, provide the credit report within XXXX days from the note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | XXXX | Reviewer Comment (XXXX): Exception provided.<br>Buyer Comment (XXXX): investor exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | LOX is missing for Real Estate Experience. |  |  |  | Reviewer Comment (XXXX): LOE provided.<br>Buyer Comment (XXXX): LOE<br>Buyer Comment (XXXX): LOX<br>Reviewer Comment (XXXX): Provide a LOX detailing the borrower real estate experience.<br>Reviewer Comment (XXXX): Lender stated the LOX is not required for the v8 DSCR guideline. The v7 guidelines were used due to the XXXX lock date of XXXX.<br>Buyer Comment (XXXX): LOE | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. |  | A lender exception was provided to use income for each room rented. Payment legers were provided and used the XXXX monthaverage. Income was treated as short term rental. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | XXXX | Reviewer Comment (XXXX): Exception provided.<br>Buyer Comment (XXXX): Rebuttal from Lender |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide evidence that payments to Conventus on XXXX, was paid within month due for XXXX, XXXX, and XXXX XXXX. |  |  |  | Reviewer Comment (XXXX): Credit supplement provided.<br>Buyer Comment (XXXX): Credit Supplement reflecting May 2025 payment made.<br>Reviewer Comment (XXXX): Received Credit supplement confirmed all open mortgage reported on Credit report payment till 0XXXX, however still missing for XXXX XXXX Employees XXXX report noted payment till XXXX. per guideline The housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. exception remains<br>Buyer Comment (XXXX): Credit Supplement | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116346 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require updated DSCR Calculation Worksheet detailing the DSCR calculation. 1008 document DSCR calculation not correctly calculated. DSCR reviewed as $XXXX / $XXXX = XXXX vs Lender DSCR AS $XXXX / $XXXX= XXXX. |  |  |  | Reviewer Comment (XXXX): Leases and 1008 showing calculation provided.<br>Buyer Comment (XXXX): Lease<br>Reviewer Comment (XXXX): Per 1008 Lender used actual lease to calculate DSCR Calculation, however no Actual lease provided of all 4 Units to verify the amounts and terms. Exception Remains<br>Buyer Comment (XXXX): 1008 with DSCR Calc | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116354 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has XXXX Active Tradelines which is less than the minimum required by guidelines. | Lender Exception for no active tradelines is available for borrower (XXXX) with compensating factors: Client to confirm downgrade acceptability <br> 1. Excellent Reserves.<br> 2. High Rent for DSCR Factor and <br> 3. Minimal Consumer Debts | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Exception provided.<br>Buyer Comment (XXXX): Approved exception provided. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116354 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Guidelines require Rent loss insurance covering a minimum ofXXXX is required for the subject property. Dec page provided reflects rent loss insurance but it is not specified. |  |  |  | Reviewer Comment (XXXX): Received insurer email confirmed 12 months Rent loss coverage. Exception Cleared<br>Buyer Comment (XXXX): LOX from agent on rent loss coverage | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (XXXX): Received Fraud Report For Borrower. Exception Cleared<br>Buyer Comment (XXXX): Fraud Report | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Missing DSCR Calculation Worksheet per guidelines. |  | Missing how DSCR was calculated. File contains only a final DSCR valueXXXX Need breakdown of calculations |  |  |  | Reviewer Comment (XXXX): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (XXXX): DSCR Wksht | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for XXXX. |  |  |  | Reviewer Comment (XXXX): Fraud report provided<br>Buyer Comment (XXXX): Fraud report | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet not provided. |  |  |  | Reviewer Comment (XXXX): DSCR calc sheet provided.<br>Buyer Comment (XXXX): DSCR WS | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | The maximum LTV for a purchase with a DSCR less than XXXX is XXXX%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): Exception XXXX for LTV @ 80% |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide fraud report for XXXX XXXX . |  |  |  | Reviewer Comment (XXXX): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (XXXX): Fraud report | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for XXXX XXXX . |  |  |  | Reviewer Comment (XXXX): Received Fraud Report with OFAC for borrower. Exception Cleared<br>Buyer Comment (XXXX): fraud report with OFAC check | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval not provided as well as a DSCR calculation worksheet |  |  |  | Reviewer Comment (XXXX): Received Received DSCR Calculation and Approval document. Exception Cleared<br>Buyer Comment (XXXX): Approval and DSCR calculations | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Please provide lease agreements for the subject property for both units. |  |  |  | Reviewer Comment (XXXX): Received lease agreement for both unit. Lower Rent noted in Lease used for qualification. Refer Open Exception for DSCR calculation. Exception Cleared<br>Buyer Comment (XXXX): Lease | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | XXXX | XXXX | Credit | Business Purpose | General | Business Purpose | Personal Guarantor is required per Investor Guidelines |  | XXXX members in LLC and only XXXX member signed the required documents. Missing signature of XXXX on the Note, Deed of Trust and all Riders, Personal Guarantee and Loan Application and all other docs as required by guides. Each Guarantor is subject to the same underwriting requirements as an<br> individual borrower, credit, fraud guard etc. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (XXXX): Exception XXXX was uploaded to the previous loan, XXXX. Please downgrade and waive.<br>Reviewer Comment (XXXX): Confirm investor has approved exception waiver and we will downgrade and waive.<br>Reviewer Comment (XXXX): Loan moving to XXXX. Status showing withdrawn. Exception Remains<br>Buyer Comment (XXXX): Loan will be moving to XXXX<br>Buyer Comment (XXXX): investor exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Re-reviewed to XXXX matrix, max LTV/CLTV XXXX% with credit score of XXXX. Confirm investor has approved the LTV/CLTV exception and we will downgrade and waive. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (XXXX): Exception XXXX was uploaded to the previous loan, XXXX, 75% LTV. Please downgrade and waive. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Re-reviewed to XXXX matrix, max LTV/CLTV XXXX% with credit score of XXXX. Confirm investor has approved the LTV/CLTV exception and we will downgrade and waive. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Investor accepts and agrees to waive with compensating factors. |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Require Loan Approval indicating the loan is DSCR. |  |  |  | Reviewer Comment (XXXX): Approval provided. Cleared.<br>Buyer Comment (XXXX): per lender : All term loans we do are DSCR, without exception. We've never gotten pushback on this. The borrowers come to us for DSCR, and we provide a loan approval on an "investor" loan - which we see as DSCR. If you want, I can change that one word to DSCR. We do have credit app reflecting DCSR XXXX and DSCR work sheet XXXX, approval XXXX.<br>Reviewer Comment (XXXX): Received loan approval which does not indicate the loan is DSCR as it noted Program type Term instead of DSCR. exception Remains<br>Buyer Comment (XXXX): Approval | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a DSCR calculation worksheet detailing the DSCR calculation. |  |  |  | Reviewer Comment (XXXX): Received DSCR calculation worksheet. Exception cleared<br>Buyer Comment (XXXX): DSCR calc | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Subject property is in Deed Restrictions-SFR Zoning. Properties with deed/resale restrictions is Ineligible per guide. Properties that do not conform to zoning ordinances are also ineligible. Appraisal reflects No Zoning. |  |  |  | Reviewer Comment (XXXX): SFR deed restriction is allowed.<br>Buyer Comment (XXXX): See pg 14<br>Reviewer Comment (XXXX): XXXX to opine if this meets their guidelines.<br>Buyer Comment (XXXX): Per title these are the restrictions | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | An experienced real estate investor must have a minimum of XXXX monthsownership and management of income producing residential or commercial real estate within the pastXXXX months. A letter of explanation is required to detail relevant real estate experience. Fraud report and Application showing only one property owned by the borrower. |  |  |  | Reviewer Comment (XXXX): Received Letter of explanation related to real estate experience. exception cleared.<br>Buyer Comment (XXXX): LOX borrower | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Borrower does not meet minimum trade line credit requirements. Guideline requiresXXXX trade lines: XXXX must be opened for XXXX monthsand active within the most recentXXXX months, and the XXXXmust be rated for a minimum of XXXX months(open or closed). The credit report reflects only XXXX trade lines. One meets theXXXX requirement, but the second XXXX #XXXX has only been active for XXXX months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX %. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Investor approved exception to allow and waive with compensating factors.<br>Buyer Comment (XXXX): Loan moving XXXX<br>Buyer Comment (XXXX): Exception XXXX. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116352 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than XXXX days prior to the note date. |  | Required updated credit report within XXXX days from note or notary date as per guide section 9.1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (XXXX): Exception XXXX. |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116352 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing in file. |  |  |  | Reviewer Comment (XXXX): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (XXXX): DSCR calculations | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116339 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | Provided purchase contract with both borrower's signatures. |  |  |  | Reviewer Comment (XXXX): Received Purchase contract with Both Borrower's Signatures. Exception Cleared<br>Buyer Comment (XXXX): Purchase contract<br>Reviewer Comment (XXXX): Received Purchase contract signed by Borrower XXXX and seller however Second borrower (XXXX) initial and signature is missing on the contract. Exception remains.<br>Buyer Comment (XXXX): PC | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116339 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | A credit report was not pulled for all members of the borrowing entity as required by guidelines. |  | Provide updated mortgage history of the financed property with XXXX #XXXX. Payment history must reflectXXXX XXXXX in the most recent XXXX monthsincluding the month prior to closing |  |  |  | Reviewer Comment (XXXX): Received mortgage history for account # XXXX confirm payment till XXXX. Exception Cleared<br>Buyer Comment (XXXX): #XXXX payment history<br>Reviewer Comment (XXXX): Received credit report stating Mortgage with XXXX and due for XXXX however XXXX is paid until XXXX. Therefore provided updated mortgage history that confirms payment for XXXX for XXXX. Exception remains.<br>Buyer Comment (XXXX): Credit reflecting next due XXXX<br>Reviewer Comment (XXXX): Received XXXX, however per guideline till 12-month housing history on the subject property, primary residence and all additional financed properties. The housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. Credit report Noted XXXX Co with last activity till XXXX. Missing for XXXX. exception remains<br>Buyer Comment (XXXX): Just verifying what is needed for this exception. Credit report pulled for both borrowers. XXXX in credit report showing next XXXX verification 0x30 is needed. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Per DSCR XXXX guide, clarified a third-party fraud report is required for the business entity. |  |  |  | Reviewer Comment (XXXX): Received Business entity Fraud Report. Exception Cleared<br>Buyer Comment (XXXX): Fraud report | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Signed Final Closing statement is missing for subject Transaction. Cash to close and Reserve requirement subject to re-review |  |  |  | Reviewer Comment (XXXX): Received Final Closing statement for subject transaction. Exception Cleared<br>Buyer Comment (XXXX): signed HUD | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good standing for Borrower XXXX is missing |  |  |  | Reviewer Comment (XXXX): Received certificate of Good standing for Borrower XXXX LLC. Exception Cleared<br>Buyer Comment (XXXX): Certificate of Good Standing | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Require Recent VOM for mortgage for XXXXXXXX forXXXX # XXXX and XXXX bank # XXXX as DLA is exceeding XXXX days of Last paid installment date. |  |  |  | Reviewer Comment (XXXX): File available Mortgage statement of all open account Confirmed payment till XXXX. Exception Cleared<br>Buyer Comment (XXXX): mortgage statement | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Lender exception as follow "The lease that is being assigned by the seller has a XXXXYears terms and will have XXXX years remaining at the time of the closing or subject transaction, which is over the XXXX months requirement that has been recently added to updated XXXX guideline. The Tenant has a strong history of Timely payment and isXXXX at a XXXX in the lock area. below are the compensating factor. <br> 1.XXXX Median Credit Score<br> 2. has XXXX Years of real estate experience and has OperatedXXXX Rental in the last XXXX months<br> 3. Rent Receipt of the $XXXX rent on lease are being used to includeXXXX% of the market rent in the DSCR calculation. DSCR is XXXX with rent receipt andXXXX (XXXX% of market rent) monthly operating income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Lender exception provided.<br>Buyer Comment (XXXX): exception approval |  |  | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Civil Judgements reported in Fraud Report for $XXXX, $XXXX and $XXXXo Satisfaction of these judgments provided in the file. |  |  |  | Reviewer Comment (XXXX): Searches provided do not show the judgements. Additionally the judgements are not on credit. Cleared.<br>Buyer Comment (XXXX): per lender: we believe that these searches (populating no findings) are sufficient to show the judgments have been released | XXXX |  |  | 1 B A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Property | Valuation | Valuation Issue | Valuation | XXXX program guidelines require a CDA (Desk Review) |  | CDA noted per OA the market was stable but based on the XXXX HDI, the market was declining. Appraiser to address declining statement reported in CDA. |  |  |  | Reviewer Comment (XXXX): Received updated appraisal addressing the declining statement reported in CDA. Exception Cleared<br>Buyer Comment (XXXX): uploaded updated appraisal comments<br>Reviewer Comment (XXXX): Please point to where the appraiser is commenting on the declining value. There is an addendum with a comment from XXXX but it does not address this.<br>Buyer Comment (XXXX): uploaded updated appraisal<br>Reviewer Comment (XXXX): Please have the appraiser address the declining statement.<br>Buyer Comment (XXXX): per lender : Our XXXX has explicitly advised us that the appraiser is not allowed to address the declining statement as it is against the appraisal independence requirements. The CDA also states in the screenshot below that an additional review is not recommended. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Subject is Non-Arm's Length Transaction per Appraisal and following transactions are eligible provided that such transactions and the related circumstances are properly documented.(no document provided in the file) <br> • Sales or transfers between members of the same family. Transaction may not be due to any adverse circumstances.<br> • Property seller acting as his or her own real estate agent.<br> • Borrower/relative acting as borrower real estate agent.<br> • Borrower/relative is an employee of the originating lender. |  |  |  | Reviewer Comment (XXXX): Received updated 1004 Noted it is Arm's Length Transaction. Exception Cleared<br>Buyer Comment (XXXX): uploaded updated appraisal comments<br>Reviewer Comment (XXXX): Received Updated appraisal However it does not address the Declining statement. it only address about the Non-Arm's length issue. Exception Remains<br>Buyer Comment (XXXX): uploaded updated appraisal<br>Reviewer Comment (XXXX): Require updated appraisal report with Transaction type listed as as Arm's length Transaction. exception Remains<br>Buyer Comment (XXXX): per lender :Non-Arms Length: Seller is not a neighbor and lives 7 minutes and 3+ miles away from the borrower, we are not sure why the appraiser mentioned that. Off-market sales are common and non-agent transactions are common and should not be considered a risk. While we do not agree with the appraisal that this is a non-arms length transaction, we felt comfortable moving forward given the seller and buyer are not related and there is no evidence that they have had a relationship prior to the transaction. The Purchase contract does not provide any evidence of a non-arms length transaction. In terms of the risk XXXX could be seeing in the property value based on the transaction type, the home was purchased for $XXXX less than the appraised value, which indicates that the LTV risk that XXXX is incurring on this deal is actually less based on what the property appraised. The LTV is 75% based on the purchase price and the LTV is 73.6% LTV based on appraised value. The purchase price is less than 2% lower than the appraised valued, indicating the borrower did not get a materially better price on the property due to the nature of the transaction. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: No document containing points and fees provided. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. | Signed Final Closing statement is missing for subject Transaction. Cash to close and Reserve requirement subject to re-review. |  |  |  | Reviewer Comment (XXXX): Signed Final Closing statement received. Exception Cleared | XXXX |  |  | 1 A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Required most recent XXXX months bank statement for the account no #XXXX. |  |  |  | Reviewer Comment (XXXX): Heloc opened beginning XXXX and new complete XXXX statement provided reflecting new account set as a pass through for HELOC funds.<br>Buyer Comment (XXXX): XXXX 1st statement. I dont see where show the checking was newly opened. Would this be sufficient<br>Reviewer Comment (XXXX): Before HELOC fund added to Bank account # XXXX balance was already there for $XXXX Lender commented account opened on XXXX, however statement provided for XXXX. Require statement from XXXX to confirmed newly opened account. Exception Remains<br>Buyer Comment (XXXX): Seller response- Borrower opened a new HELOC as of XXXX 1st and also opened the new checking account at the same time for ease of making payments , considering that it was newly opened account , we dont have 2 months of statements yet As per the XXXX guidelines , HELOC itself is acceptable source of funds without proceeds being actually deposited Could you please accept the HELOC statement supplementing the newly opened checking account with the proceeds from the HELOC ,as it meets the guidelines and also we can utilize additional available line of credit iao XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing. |  |  |  | Reviewer Comment (XXXX): Received Corrected DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (XXXX): Updated DSCR calculation<br>Reviewer Comment (XXXX): Received DSCR calculation worksheet with incorrect PITIA. Provided corrected DSCR calculation worksheet with updated PITIA as $2,149.80 Exception remains.<br>Buyer Comment (XXXX): DSCR calculation | XXXX |  |  | 1 C A D | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Real Estate Certification is missing. |  | Required letter of explanation to detail relevant of real estate experience. |  |  |  | Reviewer Comment (XXXX): LOX detailing experienced provided.<br>Buyer Comment (XXXX): Letter regarding experience to combine with leases<br>Reviewer Comment (XXXX): Guideline Require LOX from borrower with detail relevant of real estate experience. Exception Remains<br>Buyer Comment (XXXX): Jurado lease for experience | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserve requirement updated as per guideline. |  |  |  | Reviewer Comment (XXXX): The appraisal and HOA docs were XXXX by borrower using credit cards. Clinet has advised acceptable to use XXXX method and add to debt using 5% method. Since DSCR dose not affect ratios. XXXX added back as testing was depleting existing assets.<br>Buyer Comment (XXXX): Ok to Defer to XXXX of XXXX<br>Reviewer Comment (XXXX): Guides do not defer to XXXX. XXXX allows using 5% of new debt in ratios which would be moot from a DTI perspective but unable to use that method since we cannot defer to XXXX. <br>Credit card ending in XXXX may be bank debit card #, but unable to ascertain. Furthermore appraisal being paid XXXX may not hit bank statement til later and Condo fee $XXXX via credit card with no #'s unable to ascertain if that was debit made with debit credit card against documented assets as we have no assets datedXXXX or later. .<br>Buyer Comment (XXXX): Per Lender : Amount mentioned under XXXX towards the Appraisal invoice and Condo invoice is paid through the credit card and should not be reduced from the actual assets and this being a DSCR there should be no impact of credit card transactions (please refer to the appraisal and condo invoice as it reflects paid with credit card)<br>Reviewer Comment (XXXX): Cash to close Tested with Cash from Borrower $XXXX XXXX. Exception Remains<br>Buyer Comment (XXXX): As per the CD cash to close required is $XXXX and reserves required are $XXXX \* 3 which makes it $XXXX and verified assets are $XXXX in account \*\*XXXX Verified assets : $XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - XXXX Points and Fees | Fannie Mae 2014 XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or XXXX%). | Non-QM designation. This is an E2 informational exception and may be waived. |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Account Disclosure does not match Initial Escrow Payment $XXXX as per Final CD vs $XXXX as per IEAD disclosure. |  |  |  | Buyer Comment (XXXX): Acknowledged non material EV2. Corrective documents were provided, testing based off initial escrow disclosure.<br>Reviewer Comment (XXXX): Received corrected PCCD with change in initial escrow to $XXXX however his is EV2 Informational Exception due to change in Escrow and on the PCCD and post close initial escrow disclosure. Testing is based on initial escrow disclosure. This may be acknowledged.<br>Buyer Comment (XXXX): LOE and PCCD<br>Reviewer Comment (XXXX): IEAD provided now reflects $XXXX per final CD.<br>Buyer Comment (XXXX): Initial Escrow Statement |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A CDA is required and was not provided. |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | Loan closed in the name of an LLC. Note and Security Instrument signed as member of XXXX. Guaranty agreement and operating agreement provided. Confirm investor acceptability. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has owned the subject property for at least XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | XXXX vs XXXX | XXXX | Reviewer Comment (XXXX): Lender approved to waive with compensating factors. Note signed individually and by member.<br>Buyer Comment (XXXX): Approved investor exception |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A CDA is required and was not provided. XXXX |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1003 stated income $XXXXequired updated Loan Underwriting and Transmittal Summary (1008) with correct DTI ratio & monthly income as $XXXX. |  |  |  | Reviewer Comment (XXXX): Received 1008 with Correction in Income, DTI. Exception cleared<br>Buyer Comment (XXXX): 1008 | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Required CPA letter (or CFA) to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Noted. as per guide, Cash-out proceeds from the subject transaction are an acceptable source to meet the reserve requirement. Business asset are not required for qualification. Exception Cleared.<br>Buyer Comment (XXXX): Lender's response: Business assets are being used as Qualify Income. May you please confirm why an LOE for no negative impact is required? | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: XXXX | Loan appears to be XXXX loans which is ineligible per guides. |  |  |  | Reviewer Comment (XXXX): Not applicable on NOO loans.<br>Buyer Comment (XXXX): This is a NOO , NOO are not subject to 50 A6 rules. XXXX 50(a)(6) rules apply only to primary residences:<br>Buyer Comment (XXXX): Lender's response: Please advise how this was determined to be a XXXX 50 a 6. | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - XXXX Points and Fees | Fannie Mae 2014 XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or XXXX%). | Ev2 informational and may be waived. |  |  |  | Buyer Comment (XXXX): Acknowledged as non-material |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | XXXX Loan: Counseling Disclosure not provided to borrower at the time of application, but withinXXXX days of application. | Counseling Disclosure not provided to borrower at the time of application, but withinXXXX days of application. |  |  |  | Buyer Comment (XXXX): Acknowledged non material EV2 - disclosure signed within 3 days, not same day as application.<br>Reviewer Comment (XXXX): This is an EV2 because Counseling Disclosure not provided to borrower "at the time of application", but within three days of application. If you can provide evidence it was provided the "same day" as application we can clear, otherwise it is an informational EV2 exception and may be waived.<br>Buyer Comment (XXXX): Homeowners Counseling list signed XXXX |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | No obvious cure D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Subprime Legend Not on Mortgage) | XXXX Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to XXXX of the Banking Law. |  |  |  | Reviewer Comment (XXXX): Provided.<br>Buyer Comment (XXXX): Per Lender:" PLEASE RE-REVIEW THE MORTGAGE UPLOAD THE INFO WAS ON TOP OF PAGE ONE." | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX Home Loan Threshold Fixed Non-Compliant | XXXX Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX or Final Disclosure APR of XXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (XXXX): Provided.<br>Buyer Comment (XXXX): Please see uploaded HCL and Mortgage | XXXX |  |  | 1 B A | XXXX | XXXX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A CDA is required and was not provided. XXXX |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to not meeting theXXXX reserve requirement. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX): XXXX provided<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy. exception for docs<br>Reviewer Comment (XXXX): When adding back the $XXXX as an assets the reserves are still short. We now have 5.52 months, guidelines require 6.<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy exception for docs<br>Reviewer Comment (XXXX): Received PCCD. XXXX, however available assets are EMD $XXXX (After excluding #XXXX XXXX (10% of Appraisal Fee XXXX per XXXX guideline)leads total of $XXXX which is shortfall to meet total $XXXX requirement. Exception remains<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy exception for PCCD | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income/asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX): XXXX provided<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy. exception for docs<br>Reviewer Comment (XXXX): When adding back the $XXXX as an assets the reserves are still short. We now have 5.52 months, guidelines require 6.<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy exception for docs<br>Reviewer Comment (XXXX-XXXX = Total asset require $XXXX, however available assets are EMD XXXX as gift already XXXX (10% of Appraisal Fee XXXX per XXXX guideline)leads total of $XXXX requirement. Exception remains<br>Buyer Comment (XXXX): See Guideline Requirement: PITIA reserves months discrepancy exception for PCCD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Require additional assets to meet the reserves requirements. Gift Funds provided can not be used for Reserves. XXXX for appraisal added back in using XXXX rule XXXX% into obligations. The Haz Ins XXXX $XXXXwas not added as it is unknown how paid. It was deducted from available assets causing the short fall. |  |  |  | Reviewer Comment (XXXX): POC added back. Cleared.<br>Buyer Comment (XXXX): Per Lender: We are not adding the fee back in. The PCCD show POC and we uploaded the invoice (paid by credit card)and the HO invoice paid prior to closing,<br>Buyer Comment (XXXX): Receipt<br>Reviewer Comment (XXXX): When adding back the $XXXX as an assets the reserves are still short. We now have 5.52 months, guidelines require 6.<br>Buyer Comment (XXXX): CD and Receipts<br>Reviewer Comment (XXXX): Received PCCD. Cash to close/Reserve Tested Cash from Borrower $XXXX, however available assets are EMD $XXXX (After excluding #XXXX as gift already Deposited in to account) + XXXX (10% of Appraisal Fee XXXX per XXXX guideline)leads total of $XXXX which is shortfall to meet total $XXXX requirement.<br>Buyer Comment (XXXX): PCCD | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX Home Loan Threshold Fixed Compliant | XXXX Loan: APR on subject loan of XXXX or Final Disclosure APR of XXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Compliant SubPrime Loan. | EV2 |  |  |  | Buyer Comment (XXXX): Acknowledged as non-material |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrowers must have minimum XXXX year history of 1099 employment, Missing XXXX. verified via a WVOE, CPA/Tax Preparer or other documentation relevant to the borrower's circumstances. Missing XXXX. A business narrative is required from the borrower to describe their 1099 <br> employment including an expense factor that is related to their annual business. 3. CPR/Tax Preparer letter is required verifying that the<br> borrower has filed a Schedule C for the past XXXX years. |  |  |  | Reviewer Comment (XXXX): Provided.<br>Reviewer Comment (XXXX): Received Business Narrative, however still missing 1. Borrowers must have minimum two year history of 1099 employment verified via a WVOE, CPA/Tax Preparer or other documentation relevant to the borrower's circumstances and 2. CPR/Tax Preparer letter is required verifying that the borrower has filed a Schedule C for the past two years. Exception Remains<br>Buyer Comment (XXXX): business narrative | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required 1099 Transcripts |  |  |  | Reviewer Comment (XXXX): Received XXXX 1099 Transcripts. Exception cleared<br>Buyer Comment (XXXX): 1099 transcripts | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX): Income docs provided. | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall ATR due to :Missing business narrative, 1099 Transcripts, and evidence of YTD income. |  |  |  | Reviewer Comment (XXXX): Income docs provided. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing forXXXX, purchasedXXXX. |  |  |  | Reviewer Comment (XXXX): Received Insurance verification for XXXX. Exception Cleared<br>Buyer Comment (XXXX): Declarations with premium | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require corrected P&L statement showing date range as XXXX toXXXX instead of current range showing XXXX to XXXX. |  |  |  | Reviewer Comment (XXXX): Received Correction P&L statement from XXXX to XXXX. Exception cleared<br>Buyer Comment (XXXX): Corrected Profit and loss | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider - 1-4 Family is missing in file. |  |  |  | Reviewer Comment (XXXX): Received 1-4 Family Rider. Exception Cleared<br>Buyer Comment (XXXX): 1-4 Family rider | XXXX |  |  | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX Points and Fees | Fannie Mae 2014 XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total $XXXX (APOR XXXX%) on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX(APOR XXXX%) (an overage of $XXXX or XXXX%). | EV2 Informational and may be waived/acknowledged. |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. | XXXX% tolerance was exceeded by $XXXX due to increase of $XXXX Recording Fee. No valid COC provided, $XXXX evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (XXXX): XXXX Received Corrected PCCD, LOE and true and certified final settlement statement.<br>Buyer Comment (XXXX): LOE for PCCD<br>Buyer Comment (XXXX): Final Closing statement<br>Reviewer Comment (XXXX): XXXX received PCCD, however we also require LOE and true & certified copy of final settlement statement. Please provide same to re-evaluate the exception<br>Buyer Comment (XXXX): PCCD |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (XXXX): Received CDA Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA Impact letter confirming that the use of business funds (Business - XXXX) from XXXX business bank account's ending with XXXX and XXXX and XXXX business bank account ending with XXXX for (Business - XXXX) will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): Received UW Cash flow analysis for account # XXXX using for Reserve only for account # $XXXX Combined and not using XXXX account. Sufficient asset available to meet cash to close and reserve requirement. Exception Cleared<br>Buyer Comment (XXXX): see pages bottom of pg 3 & 4 | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (XXXX): Acknowledged as non-material. Loan closed XXXX. |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | Seller and Realtor Credit aggregate wasXXXX and does not meet maximum allowance XXXX% for LTV/CLTV >XXXX% for purchase transactions as per guidelines. |  |  |  | Reviewer Comment (XXXX): Cleared. RE commission is not seller contribution.<br>Buyer Comment (XXXX): A borrower's earned real estate commission is not considered as a seller contribution. Please clear the exception.<br>Reviewer Comment (XXXX): Section B3-4.3-21 agency allowances noted. Guides Section 14.6 Financing Concessions were specific and not silent. Guides (Non-QM) also did not defer to agency when silent. This can be waive and downgraded with investor approval. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | HOA amount provided Appraisal is $XXXXannually and Lender has considered $XXXXmonthly / $XXXXannually. Supporting document required to confirm HOA monthly amount as $XXXX |  |  |  | Reviewer Comment (XXXX): Updated 1003/1008 received change in Insurance and HOA Amount. DTI matching. Exception Cleared<br>Buyer Comment (XXXX): HOA fee from title company<br>Reviewer Comment (XXXX): HOA considered per lender $XXXX and HOA verification show $XXXX / 12 = $XXXX. please update the CD if $XXXX used. exception remains.<br>Buyer Comment (XXXX): HOA from title company | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy provided reflects annual amount as $XXXX/ $XXXXMonthly. Lender has considered $XXXXmonthly. Supporting document required to support the annual premium as $XXXX |  |  |  | Reviewer Comment (XXXX): Updated 1003/1008 received change in Insurance and HOA Amount. DTI matching. Exception Cleared<br>Buyer Comment (XXXX): Insurance premium reduced to $XXXX<br>Reviewer Comment (XXXX): Received the same HOI policy. exception remains to support the annual premium of $XXXX.<br>Buyer Comment (XXXX): HOI premium | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Also HOI coverage is insufficient by $XXXXoverage on the declaration page does not cover the loan amount. Provide updated policy OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (XXXX): Received RCE and covers the loan amount. exception cleared<br>Buyer Comment (XXXX): RCE for coverage | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (XXXX): Received Rate lock document. Exception Cleared<br>Buyer Comment (XXXX): Rate Lock | XXXX |  |  | 1 B A | XXXX | XXXX | Second Home | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA is required and was not provided. |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): Property CDA<br>Buyer Comment (XXXX): XXXX CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): investor exception approval<br>Reviewer Comment (XXXX): Received Flood cert with updated city name as per Note document. However HOI policy is still missing with updated city name. Exception Remains.<br>Buyer Comment (XXXX): FYI: checking to see if an exception is feasible for the Post close Flood ins<br>Buyer Comment (XXXX): Flood insurance provided is dated post closing XXXX<br>Reviewer Comment (XXXX): Flood Cert received showing City Name as XXXX. However Flood Zone shows A with property in flood zone as Yes. provide Flood Insurance policy. Require Flood insurance policy, Signed Copy of Special Flood hazard Notice. additionally, Require HOI Policy with effective date of XXXX with correct city name as per Note. Exception Remains<br>Buyer Comment (XXXX): Flood Cert<br>Reviewer Comment (XXXX): Elevation cert provided; however, revised exception was for :<br>Flood Cert showing City Name XXXX whereas as per Note City Name is XXXX. Additionally Flood Zone showing A and no Flood Insurance provided or included in Calculation. Require updated Flood Cert with Correct City name, Flood insurance, Signed Copy of Special Flood hazard Notice. additionally, Require HOI Policy with effective date of XXXX with correct city name as per Note. Exception Remains"<br>Buyer Comment (XXXX): Elevation Cert<br>Reviewer Comment (XXXX): Flood Cert showing City Name XXXX whereas as per Note City Name is XXXX. Additionally Flood Zone showing A and no Flood Insurance provided or included in Calculation. Require updated Flood Cert with Correct City name, Flood insurance, Signed Copy of Special Flood hazard Notice. additionally, Require HOI Policy with effective date of XXXX with correct city name as per Note. Exception Remains<br>Buyer Comment (XXXX): Flood certificate |  |  | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - XXXX Points and Fees | Fannie Mae 2014 XXXX Points and Fees Test. Points and Fees on subject loan of XXXX is in excess of the investor allowable maximum of XXXX of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or XXXX%). |  |  |  |  | Buyer Comment (XXXX): Acknowledged non material |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | 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 leastXXXX business days prior to closing. | Earlier receipt of Closing Disclosure was not provided. |  |  |  | Reviewer Comment (XXXX): XXXX received proof of receipt.<br>Buyer Comment (XXXX): Please cancel. Disclosure Tracking in file shows initial CD was received by the borrower on XXXX. TRID timing requirements were met see XXXX | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal is dated XXXX and was provided to the borrower XXXX . Missing evidence of earlier receipt. |  |  |  | Buyer Comment (XXXX): Acknowledged non material EV2. ROV with sent date received, however confirmation of borrower receipt date not provided.<br>Reviewer Comment (XXXX): Comments noted but evidence of XXXX receipt date not provided.<br>Buyer Comment (XXXX): Appraisal delivered to borrower on XXXX |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. | Initial LE $XXXXand Final CD $XXXX Due to increase of $XXXX- Title - Recording Service Fee, No valid COC provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX): XXXX Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (XXXX): Refund check<br>Buyer Comment (XXXX): Shipping label<br>Buyer Comment (XXXX): LOE<br>Buyer Comment (XXXX): PCCD<br>Reviewer Comment (XXXX): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on what impacts and why the additional documents to record. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (XXXX): Initial CD COC |  | XXXX |  | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Verification of Rent for XXXX. |  |  |  | Reviewer Comment (XXXX): Received VOR till 0XXXX for rental Primary property. Exception Cleared<br>Buyer Comment (XXXX): VOR | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date XXXX, Note Date XXXX | New Exception as a result of Documentation provided - Flood Insurance policy received with effective date as XXXX . Required corrected flood insurance policy with effective date from Note date as XXXX . PCCD is required adding the flood insurance and Borrower signed Notice of Special Flood Hazard is required. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): investor exception approval |  |  | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | New exception as a result of documentation provided. Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  |  | Reviewer Comment (XXXX): Received Signed Special flood Hazard notice. Exception Cleared<br>Buyer Comment (XXXX): Flood Hazard Notice | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance was added after review of documentation provided. PCCD to update the flood insurance amount is requested. |  |  |  | Reviewer Comment (XXXX): PCCD provided, flood escrowed<br>Buyer Comment (XXXX): PCCD attached<br>Reviewer Comment (XXXX): There is PCCD in the file issued on XXXX which does not have Flood insurance included, how Lender issued back dated PCCD with issue date same as closing date included Flood insurance which borrower signed on XXXX. it must be after XXXX. Exception Remains<br>Buyer Comment (XXXX): PCCD with issue date of XXXX which is correct<br>Reviewer Comment (XXXX): Received Updated PCCD with included of Flood insurance ,however issue date showing XXXX where it must be current issue date. Exception Remains<br>Buyer Comment (XXXX): Flood Dec Page and paid receipt. PCCD, FPL, IEADS and Amortization with Flood Insurance added | XXXX |  |  | 1 A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Final HUD / CD required for XXXX with XXXX for $XXXX considered for asset qualification. |  |  |  | Reviewer Comment (XXXX): Revised 1008 and 1003 provided. XXXX loan documented.<br>Reviewer Comment (XXXX): Received updated 1003/1008 however as per 1003 Shows previous mortgage Loan care # XXXX which already being paid off Via XXXX loan per HUD-1. Require updated 1003/1008 with monthly Payment of XXXX loan included in DTI. Exception Remains<br>Buyer Comment (XXXX): Revised 1003 /1008<br>Reviewer Comment (XXXX): HELOC docs provided and the payment was not included in the DTI. Provide the payment being used and include it in the DTI.<br>Buyer Comment (XXXX): XXXX loan docs<br>Reviewer Comment (XXXX): XXXX loan was taken on property XXXX however HELOC agreement provided is for REO XXXX. with initial advance of $XXXX. require correct HELOC agreement with complete pages. exception remains.<br>Buyer Comment (XXXX): HELOC<br>Reviewer Comment (XXXX): Received HELOC Terms for the XXXX loan however Need complete and Executed copy of the agreement with terms. Out of 9 pages 8 pages received. Exception remains.<br>Buyer Comment (XXXX): XXXX Loan Terms<br>Reviewer Comment (XXXX): Provide terms of the XXXX Loan. HUD provided.<br>Buyer Comment (XXXX): HUD 1<br>Buyer Comment (XXXX): Provide Final HUD / CD for XXXX loan (FSB) and document terms of loan for $XXXX considered for asset qualification. | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business Bank statement is used for Asset requirement; Missing CPA letter confirming ownership percentage and requires a letter from the accountant of the business or an underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (XXXX): CFA and updated 1003 provided for use of the business assets.<br>Buyer Comment (XXXX): CFA / Updated 1003 | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | 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 leastXXXX business days prior to closing. | Initial Closing Disclosure was not provided |  |  |  | Reviewer Comment (XXXX): XXXX received initial CD.<br>Buyer Comment (XXXX): CD and tracking | XXXX |  |  | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of Exempt from ATR. | Loan Designation of Exempt from ATR. |  |  |  | Reviewer Comment (XXXX): CFA and updated 1003 provided for use of the business assets.<br>Buyer Comment (XXXX): Please review | XXXX |  |  | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (XXXX): Received CDA. Exception Cleared<br>Buyer Comment (XXXX): CDA | XXXX |  |  | 1 D A | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business narrative is required from the borrower to describe the type of business and number of employees, & need CPA letter to verify the business ownership percentage. |  |  |  | Reviewer Comment (XXXX): Received CPA confirmed Borrower is 100% owner of business. Exception Cleared<br>Buyer Comment (XXXX): CPA Letter<br>Reviewer Comment (XXXX): Received Business narrative document. however still require CPA or Operating agreement or any similar document to verify Ownership %. Exception Remains (Expenses ratio requirement are met). Exception Remains<br>Buyer Comment (XXXX): signed business narrative<br>Reviewer Comment (XXXX): No documentation Received and comment noted "Require signed copy business narrative to confirm received from the borrower, Additionally Require CPA or Operating agreement or any similar document to verify Ownership %. Exception Remains (Expenses ratio requirement are met)<br>Buyer Comment (XXXX): I agree we still need the additional notes requirements, verify % of ownership & business narrative provided by the borrower<br>Buyer Comment (XXXX): Guides don't require the CPA to verify when using the fixed expense ratio of 50%<br>Reviewer Comment (XXXX): Received Business narrative, however not signed by borrower. Require signed copy business narrative to confirm received from the borrower, Additionally Require CPA or Operating agreement or any similar document to verify Ownership. Exception Remains<br>Buyer Comment (XXXX): business narrative | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Credit | A copy of Income Verification Report is not on file. |  | Required cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business as per guidelines. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of XXXX months PITIA or more.<br>The qualifying DTI on the loan is at least XXXX % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | XXXX | Reviewer Comment (XXXX): Investor exception provided.<br>Buyer Comment (XXXX): investor approved exception<br>Reviewer Comment (XXXX): Per guideline "Borrowers who are self-employed may qualify with either 12 or 24 consecutive months of personal or business bank statements in lieu of tax returns to support their income" Since Borrower self employed requires a letter from the accountant of the business or an underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business. Exception Remains<br>Buyer Comment (XXXX): Per Lender why is this required on a bank statement program. We only when we are using self employment income. |  |  | XXXX | 2 C B | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. |  |  |  | Reviewer Comment (XXXX): Received Email Delivery evidence for appraisal. Exception Cleared<br>Buyer Comment (XXXX): Appraisal delivery | XXXX |  |  | 1 B A | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider list is missing in file. |  |  |  | Reviewer Comment (XXXX): XXXX received SSPL. | XXXX |  |  | 1 A | XXXX | XXXX | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. | "XXXX% tolerance was exceeded by $XXXX<br> due to increase of $XXXX for - Title - settlement fee . No valid COC provided, $XXXX evidence of cure not in file. Provide a post-close CD disclosing the tolerance cure to include $XXXX , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. " |  |  |  | Reviewer Comment (XXXX): Upon further review, consumer was allowed to shop for service and fee bound by 10 percent tolerance<br>Buyer Comment (XXXX): SSPL | XXXX |  |  | 1 C A | XXXX | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | XXXX County Water Contamination: Property is located in XXXX County, XXXX and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  | Reviewer Comment (XXXX): Water quality report provided. Cleared.<br>Buyer Comment (XXXX): Water Quality Report<br>Reviewer Comment (XXXX): Provide evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards. A XXXX AI search is not sufficient. This is a EV2 and it can be waived.<br>Buyer Comment (XXXX): Licensing and Article | XXXX |  |  | 1 B A | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | New waterfall exception as result of documentation provided. this will be cleared once Income/asset related Exception has been cleared. |  |  |  | Reviewer Comment (XXXX): All Open Income/Asset ATR exception has been cured/cleared. Exception cleared | XXXX |  |  | 1 A | XXXX | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | New waterfall exception as result of documentation provided. this will be cleared once Income/asset related Exception has been cleared. |  |  |  | Reviewer Comment (XXXX): All Open Income/Asset ATR exception has been cured/cleared. Exception cleared | XXXX |  |  | 1 A | XXXX | XXXX | Second Home | Purchase | D B C A | Non QM | Non QM | No |

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## Exhibit 99.4

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.4**

![](situs-logo.jpg)

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** | **Run Date - 8/14/2025 10:48:49 AM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **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** | **Deal ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115965 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | XXXX C | A | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | XXXX A |  | D | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115991 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | XXXX B | A | D | D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | XXXX C D |  | A | C D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | XXXX B | B | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116046 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116051 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116063 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116071 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116077 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116084 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116093 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | XXXX A |  | C | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116104 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116115 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116117 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116118 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116119 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | XXXX C | C | C | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116139 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116143 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116170 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | XXXX A | A | A | A | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | XXXX A |  | C | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | XXXX C |  | C | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | XXXX D |  | A | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116217 | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | XXXX B | A | B | B | B | A | B | B |  |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | XXXX A | B | C | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | XXXX A |  | A | A | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | XXXX B |  | D | D | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | XXXX C | B | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116308 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116312 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116313 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | XXXX D |  | A B | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116332 | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | XXXX C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116346 | XXXX | XXXX | XXXX C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116354 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116358 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | XXXX C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116351 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | XXXX C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116352 | XXXX | XXXX | XXXX C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116339 | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | XXXX C | A | C | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | XXXX C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | XXXX C | B | D | D | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | XXXX C | A | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | XXXX C | C | D | D | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116355 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | XXXX C | C | D | D | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | XXXX C | B | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116356 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | XXXX C | C | D | D | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | XXXX C | C | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | XXXX C | C | D | D | B | A | A | B |  |

---

## Exhibit 99.5

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.5**

![](situs-logo.jpg)

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 8/14/2025 1:29:47 PM** | **Run Date - 8/14/2025 1:29:47 PM** | **Run Date - 8/14/2025 1:29:47 PM** |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX | 4350116356 | XXXX | XXXX | Amortization Term | XXXX | XXXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | Borrower FTHB | XXXX | XXXX | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | Borrower FTHB | XXXX | XXXX | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | Decision System |  |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116355 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116356 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | XXXX consecutive months statements provided. |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Doc Type | XXXX | XXXX |  |  |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Doc Type | XXXX | XXXX |  |  |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115965 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Escrow Account | 0 | 1 |  |  |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | Escrow Account | 0 | 1 |  |  |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116051 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116077 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116084 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116115 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116117 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116118 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116119 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116139 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116170 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Escrow Account | 0 | 1 |  |  |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116312 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116313 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Interest Only Period | XXXX |  | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Interest Only Period | XXXX |  | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Interest Only Period | XXXX |  | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value but within XXXX% and |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value but within XXXX% and < XXXX% DTI |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Correctly updated as per document |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Correctly updated |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI matches 1008 DTI. |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Per AUS DTI is XXXX% and calculated DTI is XXXX% |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field value is lower |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI matches the 1008 DTI of XXXX%. |
| XXXX | XXXX | XXXX | 4350116357 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI matches 1008 DTI of XXXX%. |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | unable to ascertain difference, review had lower obligations documented |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | DSCR |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Lender |  | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115965 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Lender |  | XXXX | Verified | Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116104 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | Lender |  | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | Lender |  | XXXX | Verified | Tape Data Field is Blank. |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | Lender |  | XXXX | Verified | Tape Data Field is blank. |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field value was not provided. |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Lender |  | XXXX | Verified | Tape Data is blank |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | Lender |  | XXXX | Verified | Tape Data Field is Blank |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | Lender |  | XXXX | Verified | Lender Name not provided in Tape Data. |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Lender |  | XXXX | Verified | Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | Lender |  | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Lender |  | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116339 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116340 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116341 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116346 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116349 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116350 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116351 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116352 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116353 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116354 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116355 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116356 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116359 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116360 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116361 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116363 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Occupancy | XXXX | XXXX | Verified | Field Value reflects Occupancy per the Final Loan Application |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116343 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116348 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116039 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116051 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116077 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116079 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116084 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116104 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116115 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116117 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116118 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116119 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116133 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116139 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116144 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116160 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116170 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116172 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116188 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116198 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116225 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Updated as per deal Notes. |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116277 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116281 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | PITIA Reserves Months | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116312 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116313 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115993 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116023 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | No PPP |
| XXXX | XXXX | XXXX | 4350116026 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116031 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116044 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116074 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Provided for old transaction |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Tape Value reflects Modification 'PrePayment Penalty Period' |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116115 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116131 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116141 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116192 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116212 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116228 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116232 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116265 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116270 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116295 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115960 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115964 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115968 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115972 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115974 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115987 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115992 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115995 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115997 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | Product Description | DSCR 5/6mo ARM (Released) | 10 Year Interest Only, 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116002 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116009 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116010 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116019 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 4.5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116034 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116045 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116047 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116060 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116066 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116070 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116080 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116083 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116084 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116088 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116089 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116094 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116096 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116098 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116101 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116102 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116107 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116114 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116118 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 40 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116126 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Product Description | DSCR 5/6mo ARM (Released) | 10 Year Interest Only, 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116134 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116140 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116150 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116151 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116157 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116161 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116162 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116168 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116169 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116171 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116173 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116189 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116197 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116200 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116203 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116206 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116207 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116215 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116218 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116220 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116222 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Product Description | DSCR 5/6mo ARM (Released) | 10 Year Interest Only, 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116230 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116233 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116243 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116244 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116245 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116247 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Navy) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116254 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116259 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116262 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116264 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116268 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116272 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116275 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116278 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116279 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116280 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116286 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116291 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116292 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 40 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Product Description | DSCR 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116300 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116302 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116309 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116310 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116314 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116315 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116317 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116319 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116321 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116326 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116327 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116334 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Product Description | XXXX NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115959 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115962 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115967 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115970 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115975 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115976 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115979 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115980 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116048 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116055 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116065 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116069 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116073 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116076 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116078 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116087 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116090 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116103 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116112 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116163 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116166 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116175 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116176 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116177 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116178 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116185 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116211 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116224 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116238 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116239 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116307 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116320 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116329 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116336 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116345 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116351 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116362 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116364 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116365 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Approval/AUS |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Representative FICO | XXXX | XXXX |  |  |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115996 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115998 | XXXX | XXXX | Representative FICO | XXXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115999 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116024 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116049 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116057 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116100 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116132 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116179 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116201 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116234 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116248 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Representative FICO | XXXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116337 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116347 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116004 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116028 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116037 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116054 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116081 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116106 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116242 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116285 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116344 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115955 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115956 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115958 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115961 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115966 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115969 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115973 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115978 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Rate and Term Refinance |
| XXXX | XXXX | XXXX | 4350115981 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115982 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115983 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115985 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115986 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115988 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116000 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116001 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116003 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116006 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116007 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116008 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116011 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116012 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116013 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116014 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116015 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116016 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116017 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116018 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116022 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116025 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116027 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116029 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116030 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116032 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116035 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116036 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116040 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116041 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116042 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116043 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116050 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116052 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116053 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116058 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116061 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116062 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116064 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116068 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116072 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116077 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116082 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116091 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116095 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116097 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116099 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116105 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116109 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116111 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116113 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116116 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116119 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116124 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116125 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116127 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116128 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116137 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116142 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116146 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116153 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116154 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116155 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116156 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116158 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116159 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116165 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116167 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116170 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116174 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116183 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116186 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116187 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116191 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116193 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116194 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116195 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116196 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116205 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116209 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116210 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116216 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116221 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116226 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116229 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116231 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116235 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116236 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116237 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116240 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116241 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116246 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116249 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116250 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116251 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116252 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116253 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116255 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116257 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116260 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116261 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116269 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116273 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116282 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116284 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116287 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116288 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116289 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116293 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116296 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116299 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116301 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116304 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116305 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116311 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116312 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116318 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116323 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116324 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116328 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116330 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116331 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116338 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115957 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115963 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115971 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115977 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115984 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115989 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115990 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115994 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116005 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116020 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116021 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116033 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116038 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116056 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116059 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116067 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116075 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116085 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116086 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116092 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116108 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116110 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116120 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116121 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116122 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116123 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116129 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116130 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116135 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116136 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116138 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116145 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116147 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116148 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116149 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116152 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116164 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116180 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116181 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116182 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116184 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116190 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116199 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116202 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116204 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116208 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116213 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116214 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116219 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116223 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116227 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116256 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116258 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116263 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116266 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116267 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116271 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116274 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116276 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116283 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116290 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116294 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116297 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116298 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116303 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116306 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116316 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116322 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116325 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116333 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116335 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116342 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |

---

## Exhibit 99.6

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.6**

**EXECUTIVE SUMMARY**

**COLT 2025-9**

**By Clarifii LLC on August 14, 2025**

COLT 2025-9 Due Diligence Narrative Report – PagE \| 1

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 5 loans (the "Loans") and these loans were subsequently acquired by Lone Star Residential Acquisitions, LLC (the "Client") for the COLT 2025-9 transaction. The loans referenced in this narrative report were reviewed 03/2025 through 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 1 | 20.00% | $825000.00 |
| Correspondent Flow with Delegated UW | 2 | 40.00% | $2557500.00 |
| Wholesale | 2 | 40.00% | $990500.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

The Review consisted of a population of 5 loans, with an aggregate principal balance of $4,373,000.00.

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

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

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

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

COLT 2025-9 Due Diligence Narrative Report – PagE \| 2

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| **Data Comparison Field** |
| Amortization Term |
| Amount of Other Lien |
| Application Date |
| Balloon Flag |
| Borrower 1 Any Outstanding Judgments? |
| Borrower 1 Any part of down payment borrowed? |
| Borrower 1 Bankruptcy in past 7 years? |
| Borrower 1 Birthdate |
| Borrower 1 Citizen |
| Borrower 1 Country Name |
| Borrower 1 Do you intend to occupy property as primary residence? |
| Borrower 1 Email or Internet |
| Borrower 1 Employer 1 Position |
| Borrower 1 Employer 1 Years in Line of Work |
| Borrower 1 Ethnicity - I do not wish to provide this information |
| Borrower 1 Ethnicity - Not Hispanic or Latino |
| Borrower 1 Ethnicity Visual Observation or Surname |
| Borrower 1 First Name |
| Borrower 1 Foreclosure in past 7 years? |
| Borrower 1 Has there been ownership in a property in last 3 yrs |
| Borrower 1 How was title held? |
| Borrower 1 Last Name |
| Borrower 1 Marital Status |
| Borrower 1 Name of Employer1 |
| Borrower 1 Originator Citizenship Designation |
| Borrower 1 Other Income |
| Borrower 1 Phone Number |
| Borrower 1 Race - Asian |

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| Borrower 1 Race - I do not wish to provide this information |
| Borrower 1 Race - White |
| Borrower 1 Rent or Own |
| Borrower 1 Self-Employment Flag |
| Borrower 1 Sex - Female |
| Borrower 1 Sex - I do not wish to provide this information |
| Borrower 1 Sex - Male |
| Borrower 1 SSN |
| Borrower 1 Telephone Interview |
| Borrower 1 Years in Current Home |
| Borrower 2 Birthdate |
| Borrower 2 Citizen |
| Borrower 2 Do you intend to occupy property as primary residence? |
| Borrower 2 Employer 1 Position |
| Borrower 2 Employer 1 Years in Line of Work |
| Borrower 2 Ethnicity - I do not wish to provide this information |
| Borrower 2 Ethnicity - Not Hispanic or Latino |
| Borrower 2 Ethnicity Visual Observation or Surname |
| Borrower 2 First Name |
| Borrower 2 Last Name |
| Borrower 2 Marital Status |
| Borrower 2 Name of Employer1 |
| Borrower 2 Race - I do not wish to provide this information |
| Borrower 2 Race - White |
| Borrower 2 Rent or Own |
| Borrower 2 Self-Employment Flag |
| Borrower 2 Sex - Female |
| Borrower 2 Sex - I do not wish to provide this information |
| Borrower 2 SSN |
| Borrower 2 Telephone Interview |
| Borrower 2 Years in Current Home |
| Calculated DSCR |
| Cash Disbursement Date |
| FHA Streamline/VA IRRL Indicator |
| First Payment Date |
| HOA Flag |
| Initial Monthly P&I Or IO Payment |
| Interest Only Flag |
| Interest Only Term |
| Interest Rate |
| Investor Loan ID |
| Lien Position |
| Loan Amount |
| Loan ID |

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 4

---

| |
|:---|
| Loan Origination Company |
| Loan Origination Company NMLS |
| Loan Purpose |
| Loan Type |
| Maturity Date |
| MIN No |
| Negative Amortization Flag |
| Note Date |
| Note Type |
| Number of Borrowers |
| Number of Mortgaged Properties |
| Number of Units |
| Occupancy |
| Prepayment Penalty Flag |
| Prepayment Penalty Total Term |
| Primary Appraised Property Value |
| Property Address |
| Property City |
| Property County |
| Property Rights |
| Property State |
| Property Type |
| Property Value |
| Property Zip Code |
| Qualifying CLTV |
| Qualifying FICO |
| Qualifying LTV |
| Qualifying Total Debt Income Ratio |
| Refinance Type |
| Sales Price |
| Term |
| ULI |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

COLT 2025-9 Due Diligence Narrative Report – PagE \| 5

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

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Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate

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Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

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- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the
mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| AVM | 0 | 0 | 0 |
| BPO | 0 | 0 | 0 |
| LCA or CU Score <=2.5 | 0 | 0 | 3 |
| Desk Review | 0 | 0 | 2 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

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---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 16

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 4 | 80.00% |
| B | 1 | 20.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 4 | 80.00% |
| B | 1 | 20.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 5 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 17

---

| | | |
|:---|:---|:---|
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 5 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| Fixed | 5 | 100.00% | $4373000.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| Primary Residence | 3 | 60.00% | $3424500.00 |
| Investment | 2 | 40.00% | $948500.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| Refinance | 3 | 60.00% | $2931000.00 |
| Purchase | 2 | 40.00% | $1442000.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 5 | 100.00% | $4373000.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

**Original Term**

COLT 2025-9 Due Diligence Narrative Report – PagE \| 18

---

| | | | |
|:---|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| 360 | 5 | 100.00% | $4373000.00 |
| **Total** | **5** | **100.00%** | **$4373000.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Field** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 5 | 100.00% |
| Amount of Other Lien | 0 | 3 | 100.00% |
| Application Date | 0 | 4 | 100.00% |
| Balloon Flag | 0 | 4 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 3 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 3 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 3 | 100.00% |
| Borrower 1 Birthdate | 0 | 4 | 100.00% |
| Borrower 1 Citizen | 0 | 3 | 100.00% |
| Borrower 1 Country Name | 0 | 3 | 100.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 3 | 100.00% |
| Borrower 1 Email or Internet | 0 | 2 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 2 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 0 | 2 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 3 | 100.00% |
| Borrower 1 Ethnicity Visual Observation or Surname | 0 | 3 | 100.00% |
| Borrower 1 First Name | 0 | 5 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 3 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 2 | 100.00% |
| Borrower 1 How was title held? | 0 | 3 | 100.00% |
| Borrower 1 Last Name | 0 | 5 | 100.00% |
| Borrower 1 Marital Status | 0 | 3 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 2 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 0 | 1 | 100.00% |
| Borrower 1 Other Income | 0 | 1 | 100.00% |
| Borrower 1 Phone Number | 0 | 1 | 100.00% |
| Borrower 1 Race - Asian | 0 | 1 | 100.00% |

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 19

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 Race - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 1 Race - White | 0 | 2 | 100.00% |
| Borrower 1 Rent or Own | 0 | 3 | 100.00% |
| Borrower 1 Self-Employment Flag | 0 | 2 | 100.00% |
| Borrower 1 Sex - Female | 0 | 1 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 1 Sex - Male | 0 | 2 | 100.00% |
| Borrower 1 SSN | 0 | 5 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 2 | 100.00% |
| Borrower 1 Years in Current Home | 0 | 3 | 100.00% |
| Borrower 2 Birthdate | 0 | 1 | 100.00% |
| Borrower 2 Citizen | 0 | 1 | 100.00% |
| Borrower 2 Do you intend to occupy property as primary residence? | 0 | 1 | 100.00% |
| Borrower 2 Employer 1 Position | 0 | 1 | 100.00% |
| Borrower 2 Employer 1 Years in Line of Work | 0 | 1 | 100.00% |
| Borrower 2 Ethnicity - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 2 Ethnicity Visual Observation or Surname | 0 | 1 | 100.00% |
| Borrower 2 First Name | 0 | 1 | 100.00% |
| Borrower 2 Last Name | 0 | 1 | 100.00% |
| Borrower 2 Marital Status | 0 | 1 | 100.00% |
| Borrower 2 Name of Employer1 | 0 | 1 | 100.00% |
| Borrower 2 Race - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 2 Race - White | 0 | 1 | 100.00% |
| Borrower 2 Rent or Own | 0 | 1 | 100.00% |
| Borrower 2 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 2 Sex - Female | 0 | 1 | 100.00% |
| Borrower 2 Sex - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 2 SSN | 0 | 1 | 100.00% |
| Borrower 2 Telephone Interview | 0 | 1 | 100.00% |
| Borrower 2 Years in Current Home | 0 | 1 | 100.00% |
| Calculated DSCR | 0 | 2 | 100.00% |
| Cash Disbursement Date | 1 | 1 | 0.00% |
| FHA Streamline/VA IRRL Indicator | 0 | 3 | 100.00% |
| First Payment Date | 0 | 1 | 100.00% |
| HOA Flag | 0 | 1 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 1 | 100.00% |
| Interest Only Flag | 0 | 4 | 100.00% |
| Interest Only Term | 0 | 1 | 100.00% |

---

COLT 2025-9 Due Diligence Narrative Report – PagE \| 20

---

| | | | |
|:---|:---|:---|:---|
| Interest Rate | 0 | 5 | 100.00% |
| Investor Loan ID | 0 | 5 | 100.00% |
| Lien Position | 0 | 4 | 100.00% |
| Loan Amount | 0 | 4 | 100.00% |
| Loan ID | 0 | 5 | 100.00% |
| Loan Origination Company | 0 | 3 | 100.00% |
| Loan Origination Company NMLS | 0 | 2 | 100.00% |
| Loan Purpose | 0 | 5 | 100.00% |
| Loan Type | 0 | 3 | 100.00% |
| Maturity Date | 0 | 1 | 100.00% |
| MIN No | 0 | 1 | 100.00% |
| Negative Amortization Flag | 0 | 3 | 100.00% |
| Note Date | 1 | 1 | 0.00% |
| Note Type | 0 | 3 | 100.00% |
| Number of Borrowers | 0 | 3 | 100.00% |
| Number of Mortgaged Properties | 0 | 3 | 100.00% |
| Number of Units | 0 | 5 | 100.00% |
| Occupancy | 0 | 5 | 100.00% |
| Prepayment Penalty Flag | 0 | 1 | 100.00% |
| Prepayment Penalty Total Term | 0 | 3 | 100.00% |
| Primary Appraised Property Value | 0 | 2 | 100.00% |
| Property Address | 0 | 5 | 100.00% |
| Property City | 0 | 5 | 100.00% |
| Property County | 0 | 4 | 100.00% |
| Property Rights | 0 | 3 | 100.00% |
| Property State | 0 | 5 | 100.00% |
| Property Type | 0 | 3 | 100.00% |
| Property Value | 0 | 3 | 100.00% |
| Property Zip Code | 0 | 5 | 100.00% |
| Qualifying CLTV | 0 | 2 | 100.00% |
| Qualifying FICO | 0 | 1 | 100.00% |
| Qualifying LTV | 0 | 2 | 100.00% |
| Qualifying Total Debt Income Ratio | 0 | 2 | 100.00% |
| Refinance Type | 0 | 2 | 100.00% |
| Sales Price | 0 | 2 | 100.00% |
| Term | 0 | 1 | 100.00% |
| ULI | 0 | 4 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

COLT 2025-9 Due Diligence Narrative Report – PagE \| 21

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

## Exhibit 99.7

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | XXXX | 4350116366 A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA |  |  | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy with Policy Number. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. policy # showing - Seller-XXXX <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided. <br> Missing the Policy Number. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. policy # showing - Seller-XXXX<br>| Resolved-Received policy with Policy Number. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% |  | XXXX insur.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received sufficient documentation supporting the borrower has no affiliation. - Due Diligence Vendor-XXXX <br> Ready for Review-the percentage of ownership for an LLC that is the seller should not be applicable... the doc we provided shows that our borrower is not connected to the seller LLC - Seller-XXXX <br> Counter-Minutes of XXXX provided, however it does not disclose the current Owner(s) ownership percentage. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. enclosed resolution of the LLC shows all members - Seller-XXXX <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing evidence that the borrower and the LLC (seller) are not related. Unable to verify on website. - Due Diligence Vendor-XXXX | Ready for Review-the percentage of ownership for an LLC that is the seller should not be applicable... the doc we provided shows that our borrower is not connected to the seller LLC - Seller-XXXX <br>Ready for Review-Document Uploaded. enclosed resolution of the LLC shows all members - Seller-XXXX<br>| Resolved-Received sufficient documentation supporting the borrower has no affiliation. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% |  | resolution members.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-XXXX state does not require the Borrower's spouse sign the mortgage on a primary of they are not listed on title. - Due Diligence Vendor-XXXX <br> Counter-Application reflects both borrowers occupying subject-documentation is insufficient-original finding remains. - Due Diligence Vendor-XXXX <br> Ready for Review-per guidelines, only one of the borrower has to execute the mortgage/ deed - Seller-XXXX <br> Open-Borrower 1 Signature does not match Note Borrower 1 did not sign the mortgage. - Due Diligence Vendor-XXXX | Ready for Review-per guidelines, only one of the borrower has to execute the mortgage/ deed - Seller-XXXX<br>| Resolved-XXXX state does not require the Borrower's spouse sign the mortgage on a primary of they are not listed on title. - Due Diligence Vendor-XXXX | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Removed asset from consideration per originator: we did not count any CURRENT assets from account XXXX.... this was the account that the EMD came from in XXXX so we only gave the EMD statements from XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-we did not count any CURRENT assets from account XXXX .... this was the account that the EMD came from in XXXX so we only gave the EMD statements from XXXX - Seller-XXXX <br> Open-Asset 3 Expired Provide unexpired Bank Statement for acct# XXXX. - Due Diligence Vendor-XXXX | Ready for Review-we did not count any CURRENT assets from account XXXX .... this was the account that the EMD came from in XXXX so we only gave the EMD statements from 2023 - Seller-XXXX | Resolved-Removed asset from consideration per originator: we did not count any CURRENT assets from account XXXX .... this was the account that the EMD came from in XXXX so we only gave the EMD statements from XXXX - Due Diligence Vendor-XXXX | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. lock COC - Seller-XXXX <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXX for Loan points and Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. lock COC - Seller-XXXX<br>| Resolved-Received COC XXXX. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% |  | XXXX lock XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116367 D B C A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX <br>Open-EXCEPTION in file for only 19% of the units in contract or sold<br> - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 65.71% and max allowed is 80% | 52% LTV<br> 757 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | XXXX | 4350116368 C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received corrected appraisal reflecting units as tenant occupied. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. subject is tenant occupied... enclosed please find the corrected appraisal - Seller-XXXX <br>Open-Appraisal shows both units on property are owner occupied. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. subject is tenant occupied... enclosed please find the corrected appraisal - Seller-XXXX<br>| Resolved-Received corrected appraisal reflecting units as tenant occupied. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 9 months reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 700. |  | XXXX.pdf<br> XXXX XXXX_XXXX_SSR.pdf<br> XXXX FRE_XXXX_SSR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116369 D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received SPL dated XXXX. Finding resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. enclosed should have been in our initial loan upload - Seller-XXXX <br> Open-----\*\*\*NEW\*\*\* Ten (10%) tolerance fees (Title fees and recording fee) increased by $XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, expiration date XXXX. ---Received LE XXXX, missing service provider list which may be the cause. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. enclosed should have been in our initial loan upload - Seller-XXXX<br>| Resolved-Received SPL dated XXXX. Finding resolved. - Due Diligence Vendor-XXXX | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 775<br>Months Reserves exceed minimum required - 122 mths reserves; 9 mths required. |  | XXXX serv prov.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116369 D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-Received LE XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. initial LE - Seller-XXXX <br> Open-Missing initial LE dated within 3 days of Application date of XXXX. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. initial LE - Seller-XXXX<br>| Resolved-Received LE XXXX - Due Diligence Vendor-XXXX | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 775<br>Months Reserves exceed minimum required - 122 mths reserves; 9 mths required. |  | XXXX initial le.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116369 D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Counseling disclosure and list - Seller-XXXX <br> Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure provided to borrower within three days of the application date is not in file. <br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Counseling disclosure and list - Seller-XXXX<br>| Resolved-Received Homeownership Counseling Disclosure. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 775<br>Months Reserves exceed minimum required - 122 mths reserves; 9 mths required. |  | XXXX COUNSELING.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116369 D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to Proceed - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. intend to proceed - Seller-XXXX <br>Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. intend to proceed - Seller-XXXX<br>| Resolved-Received Intent to Proceed - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 775<br>Months Reserves exceed minimum required - 122 mths reserves; 9 mths required. |  | XXXX proceed.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350116370 C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated matrix provided, 3 months of reserves required. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Audited Reserves of 4.13 month(s) are less than Guideline Required Reserves of 9 month(s) Asset account # XXXX dated XXXX provided and accounted for. Assets in account do not met reserve requirement. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Updated matrix provided, 3 months of reserves required. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 65%;max 75%<br>DSCR % greater than 1.20 - DSCR = 1.463 |  | XXXX matrices Z & 2.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |

---

## Exhibit 99.8

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Original Loan Amount** |
| XXXX | XXXX | XXXX | 4350116366 | XXXX A |
| XXXX | XXXX | XXXX | 4350116367 | XXXX D C A B |
| XXXX | XXXX | XXXX | 4350116368 | XXXX C A |
| XXXX | XXXX | XXXX | 4350116369 | XXXX A D |
| XXXX | XXXX | XXXX | 4350116370 | XXXX C A |

---

## Exhibit 99.9

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.9**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | XXXX | 4350116366 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | XXXX | 4350116366 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |

---

## Exhibit 99.10

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | XXXX | 4350116366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350116367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.71 | 65.71 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | XXXX | 4350116368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 4350116369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 4350116370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.11

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.11**

![](ca.gif)

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**August 13, 2025**

***COLT 2025-9***

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, Lone Star Residential Acquisitions, LLC. The review included a total of 13 business purpose, residential mortgage loans, in connection with the securitization identified as COLT 2025-9 (the "Securitization"). The review began on April of 2025, and concluded July of 2025.

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation
underlying the credit decision was performed to determine sufficiency for consideration in the Credit Review. The Credit Documentation
review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application
is present in the loan file for all borrowers/guarantors,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all
borrowers and meets guideline seasoning requirements and contains OFAC clearance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation
of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental
properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting
guideline standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence
of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that
the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID,
passport)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan
file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of
a complete appraisal report and supporting secondary independent estimate of value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative
to the commercial borrower entity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation.

![](ca.gif)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that
each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing
for the state is in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm
that the loan file contains evidence that the individual executing the loan agreements has been signing authority on behalf of the borrowing
entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation
required to secure the lender's interest in the loan and the borrower(s)' obligations thereunder was conducted with the purpose
of validating their presence in the mortgage loan file and sufficiency of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed
by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible
parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all
required parties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including
an assignment of rents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed
by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority
and execution.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite
individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided
a personal guaranty for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will
not be owner occupied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains
evidence of title insurance and that the title is free from material defects that could affect lien position.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that
the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the
presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on
loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as
specified by Client served as the criteria under which each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each
borrower to ensure that they meet eligibility requirements of underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file
contains adequately qualified verification of assets to meet underwriting standards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure it meets minimum guideline standards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit
reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements.

![](ca.gif)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor
credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and
underwriting standards as specified in the underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the
subject property used for qualification of the loan is accurate and compliant with guideline requirements. Confirm that the borrower has
executed an affidavit of commercial/business purpose and that no other documentation that shows the subject property might be a primary
residence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value
Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired
LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard insurance
coverage and that premiums are included in PITI calculations. If required based on flood **zone**,
confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any
compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence
of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility
scenario under question.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions
to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate
that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags
on third party fraud reports have been reviewed.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review the original appraisal and all additional property
valuation documentation to determine whether source, format and type meet program and guideline eligibility requirements.

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm that the property type is an eligible property
type per program standards and underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm as applicable that and independent supplemental
third-party valuation was received and is within allowable tolerance of the original qualifying value.

&nbsp;&nbsp;&nbsp;&nbsp;d. Assess rental income schedules.

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm that property standards conform to underwriting
guidelines requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f. Determine whether the property is completely constructed
and the appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review and determine whether the appraisal was performed
on appropriate form and whether the appraiser indicated in the body of the conformity to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review property for functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Where applicable, determine if the file did not contain
the appraisal or other valuation method and a review could not be performed.

![](ca.gif)

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (13 loans consisting of 13 individual properties), the origination value was based the following products:

---

| | |
|:---|:---|
| **Primary Valuation Product** | **Count** |
| 1004 | 10 |
| 1025 | 3 |
| **Totals:** | 13 |

---

13 properties were supported by a Desk Review

In summary the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| **Secondary Valuation Product** | **Count** |
| Desk Review | 13 |
| **Totals:** | **13** |

---

Loan level Valuation Grades are based on the cumulative total of origination appraised values for an individual loan compared to the cumulative total of the secondary valuation products. Loans where the cumulative secondary valuation had a negative variance equal to or greater than 10% of the origination appraised value total were provided a Valuation Grade of "C".

Of the 13 loans reviewed, 13 are single property loans.

![](ca.gif)

Summary of Results

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Grades** |  |  |  |
| Grade | Number of Mortgage Loans | % of Mortgage Loans (by loan count) | Original Principal Balance |
| A | 12 | 92.31% | $2512420.00 |
| B | 1 | 7.69% | $129500.00 |
| C | 0 | 0.00% | $- |
| D | 0 | 0.00% | $- |
| **Credit Grades** |  |  |  |
| Grade | Number of Mortgage Loans | % of Mortgage Loans (by loan count) | Original Principal Balance |
| A | 12 | 92.31% | $2512420.00 |
| B | 1 | 7.69% | $129500.00 |
| C | 0 | 0.00% | $- |
| D | 0 | 0.00% | $- |
| **Valuation Grades** |  |  |  |
| Grade | Number of Mortgage Loans | % of Mortgage Loans (by loan count) | Original Principal Balance |
| A | 13 | 100.00% | $2641920.00 |
| B | 0 | 0.00% | $- |
| C | 0 | 0.00% | $- |
| D | 0 | 0.00% | $- |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "B" and a Property Grade of "A" would receive an overall Loan Grade of "B").

![](ca.gif)

---

| | | | |
|:---|:---|:---|:---|
| **CATEGORY** | **GRADE** | **FINDING DESCRIPTION** | **COUNT** |
| CREDIT | B | SIGNIFICANT DEROGATORY CREDIT EVENT – REQUIREMENT NOT MET | ***1*** |
|  |  | ***Total Credit B Grade Findings:*** | ***1*** |
|  |  | ***Total Credit Findings:*** | ***1*** |
| **CATEGORY** | **GRADE** | **FINDING DESCRIPTION** | **COUNT** |
| PROPERTY | B |  | ***0*** |
|  |  | ***Total Property B Grade Findings:*** | ***0*** |
|  |  | ***Total Property Findings:*** | ***0*** |

---

## Exhibit 99.12

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Deal ID** | **Original Balance** | **Initial Compliance Grade S&P** | **Initial Compliance Grade Fitch** | **Initial Compliance Grade Moodys** | **Initial Compliance Grade KBRA** | **Initial Compliance Grade DBRS** | **Final Compliance Grade S&P** | **Final Compliance Grade Fitch** | **Final Compliance Grade Moodys** | **Final Compliance Grade KBRA** | **Final Compliance Grade DBRS** |
| XXXX | XXXX | XXXX | 4350116371 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116372 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116373 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116374 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116375 | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116376 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116377 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116378 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116379 | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | XXXX | 4350116380 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116381 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116382 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350116383 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.13

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Deal ID** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance %** | **Valuation Type** | **CU Score** | **R&W Eligible** | **Vendor Name** | **ARLTV** | **CARLTV** | **LTC** |
| XXXX | XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | 65.00% | XXXX | XXXX | 1025 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | 78.95% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116374 | XXXX | XXXX | XXXX | 80.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116375 | XXXX | XXXX | XXXX | 65.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -3.45% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116376 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -7.32% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | 47.90% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -3.58% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116378 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116379 | XXXX | XXXX | XXXX | 70.00% | XXXX | XXXX | 1025 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -5.41% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116380 | XXXX | XXXX | XXXX | 35.97% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116381 | XXXX | XXXX | XXXX | 70.62% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -4.62% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116382 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1025 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -6.06% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | XXXX | 4350116383 | XXXX | XXXX | XXXX | 61.11% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |

---

## Exhibit 99.14

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Deal ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (KBRA)** | **Initial Compliance Grade (Moody's)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (KBRA)** | **Final Compliance Grade (Moody's)** | **Final Compliance Grade (S&P)** |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | MISSING CLOSING PROTECTION LETTER | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TITLE INSURANCE MISSING OR DEFECTIVE | MISSING TITLE INSURANCE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | PAYOFF STATEMENT MISSING OR DEFECTIVE | MISSING PAYOFF STATEMENT | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED TITLE INSURANCE SHOWING PROPERTY IS OWNED FREE AND CLEAR | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED TITLE INSURANCE SHOWING PROPERTY IS OWNED FREE AND CLEAR | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ASSET DOCUMENTATION MISSING OR DEFECTIVE | MISSING ASSET DOCUMENTATION | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING HAZARD INSURANCE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TAX CERTIFICATE MISSING OR DEFECTIVE | MISSING TAX CERTIFICATE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING DATED TERM SHEET. PROVIDED TERM SHEET IS NOT DATED | XXXX: PLEASE CONFIRM DATE TERM SHEET WAS SIGNED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | $XXXX LIQUIDITY < $XXXX MINIMUM REQUIRED. | XXXX: PLEASE PROVIDE FEBRUARY OR APRIL STATEMENT. WE MUST VERIFY 2 CONSECUTIVE MONTHS FOR ALL STATEMENTS | XXXX | XXXXXXXX: RECEIVED CLOSING DISCLOSURE | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX: PLEASE PROVIDE A THIRD PARTY APPRAISAL REVIEW OF THE PRIMARY APPRAISAL | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | PROVIDED LEASE AGREEMENT IS EXPIRED | XXXX: EXPIRED LEASE ALSO NOT SUFFICIENT IN FORM. PROVIDE LEASE AGREEMENT WITH TENANT AND LANDLORD SIGNATURE | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | HAZARD INSURANCE MISSING OR DEFECTIVE | PROVIDED HAZARD INSURANCE IS EXPIRED | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXXX: WE ARE REQUIRED TO VERIFY ANY LATE PAYMENTS. PLEASE PROVIDE VOM | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | INSUFFICIENT TITLE INSURANCE: $XXXX TITLE INSURANCE COVERAGE < $XXXX MINIMUM REQUIRED. PROVIDE ADDITIONAL COVERAGE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | MISSING EVIDENCE XXXX FUNDING, INC. IS AN AFFILIATE OF COUNTERPARTY: XXXX, LLC | XXXX: TITLE INSURANCE AND APPRAISAL MUST BE IN THE NAME OF XXXX OR ONE OF ITS AFFILIATES | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | MISSING LEASE AGREEMENT | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT OR EVIDENCE OF SINGLE MEMBER ENTITY | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | MARKET RENT - MISSING OR DEFECTIVE | MISSING RENT REVIEW | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | W-9 MISSING OR DEFECTIVE | MISSING FORM W-9 | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116371 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ACH MISSING OR DEFECTIVE | MISSING ACH AUTHORIZATION FORM | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DATA DISCREPANCY - DATA TAPE LOAN AMOUNT DOES NOT MATCH DOCUMENTED LOAN AMOUNT. DATA TAPE REFLECTS: LOAN AMOUNT OF $XXXX, AND: LOAN AMOUNT OF XXXX WERE DOCUMENTED IN FILE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116374 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING | MISSING FLOOD CERTIFICATE WITH LIFE OF LOAN DETERMINATION | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116374 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | MARKET RENT - MISSING OR DEFECTIVE | MISSING RENT REVIEW | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116374 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL MISSING OR DEFECTIVE | INELIGIBLE OCCUPANCY. SUBJECT PROPERTY REFLECTS OWNER OCCUPANCY | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED APPRAISAL SHOWING TENANT OCCUPANCY AND SUBJECT-TO VALUATION. 1004D IN FILE REFLECTS REPAIRS WERE COMPLETED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL MISSING OR DEFECTIVE | MISSING 1004D. PROVIDED APPRAISAL IS MADE SUBJECT-TO | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116373 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116375 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DATA TAPE DISCREPANCY. PLEASE PROVIDE UPDATE TAPE REFLECTING HOA FEE OF: $XXXX. PER APPRAISAL, THERE IS NO HOA FEE ASSOCIATED WITH THE SUBJECT PROPERTY | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116376 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN PRE-CLOSE REVIEW |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116375 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN PRE-CLOSE REVIEW |  | XXXX |  | XXXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116376 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | GUARANTOR IDENTIFICATION MISSING OR DEFECTIVE | MISSING GUARANTOR ID | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT FOR XXXX INC TO PROVE ACCESS TO FUNDS IN BANK ACCOUNT USED FOR LIQUIDITY | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DSCR DISCREPANCY. PROVIDED TAPE REFLECTS: XXXX IN HOA FEES. APPRAISAL REFLECTS ANNUAL HOA FEES OF: $XXXX. PROVIDE UPDATED TAPE | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116375 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NOTE MISSING OR DEFECTIVE | INSUFFICIENT PREPAYMENT PENALTY. PROVIDED LANGUAGE REFLECTS 12 MONTH PREPAYMENT FOR 360 PERIODS | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED NOTE AMENDMENT CHANGING PREPAY TO 1% IN 1 YEAR | XXXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116378 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116378 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116378 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ESTOPPEL CERTIFICATE MISSING OR DEFECTIVE | MISSING ESTOPPEL CERTIFICATE | XXXX: WE WILL NEED XXXX TO OPINE HOW THEY INTEND TO QUALIFY THIS LOAN IN ABSENCE OF AN ESTOPPEL CERT<br> XXXX: PLEASE PROVIDE ESTOPPEL. ROFR WAIVER WILL NOT SUFFICE | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NOTE MISSING OR DEFECTIVE | INSUFFICIENT NOTE. PROVIDED NOTE PAYMENT IS MISSING TYPOGRAPHIC ENUMERATION OF PAYMENT. PROVIDED PAYMENT IS ONLY IN NUMERALS | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116372 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | $XXXX LIQUIDITY < $XXXX MINIMUM REQUIRED. | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116377 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW |  | XXXX |  | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116379 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | WAIVED | XXXX | CREDIT | SIGNIFICANT DEROGATORY CREDIT EVENT – REQUIREMENT NOT MET | INELIGIBLE CRIMINAL HISTORY. BACKGROUND CHECK REFLECTS PREVIOUS FELONY DATED: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX WITH DESCRIPTION: STEALING A MOTOR VEHICLE, POSSESSION OF CONTROLLED SUBSTANCE EXCEPT 35 GRAMS OR LESS OF MARIJUANA/SYNTHETIC CANNABINOID, UNLAWFUL POSSESSION OF DRUG PARAPHERNALIA, TAMPERING WITH MOTOR VEHICLE - 1ST DEGREE, DOMESTIC ASSAULT - 2ND DEGREE FELONY C, ASSAULT 3RD DEGREE - PURSUANT TO SUBDI VISIONS, ASSAULT 3RD DEGREE - PURSUANT TO SUBDIVISIONS, ASSAULT - 2ND DEGREE, POSSESSION OF UP TO 35 GRAMS MARIJUANA, DOMESTIC ASSAULT - 3RD DEGREE -1ST/2ND OFFENSE, PROPERTY DAMAGE 1ST DEGREE FELONY D, ATMP-UNLAWFUL USE OF A WEAPON, POSSESSION OF UP TO 35 GRAMS MARIJUANA | XXXX/XXXX UPLOADED WAIVER | XXXX | XXXX/XXXX: PLEASE WAIVE. 718 FICO, 2.2 DSCR. WAIVER APPROVED BY LSF | XXXX | 718 FICO, 2.2 DSCR. WAIVER APPROVED BY XXXX | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXX | XXXX | 4350116379 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIMNARY HUD DOES NOT MATCH THE LOAN AMOUNT | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED FINAL HUD | XXXX | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXX | XXXX | 4350116381 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116381 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | INSUFFICIENT TITLE INSURANCE. PROPOSED INSURANCE AMOUNT IS: $XXXX PROVIDE UPDATED TITLE INSURANCE | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116381 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | MISSING PROPERTY MANAGEMENT AGREEMENT | XXXXXXXX: UPLOADED | XXXX | XXXXXXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116380 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116382 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116382 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | MARKET RENT - MISSING OR DEFECTIVE | MISSING RENT REVIEW | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116383 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | INSUFFICIENT ASSETS FOR RESERVES | $XXXX LIQUIDITY < $XXXX MINIMUM REQUIRED. | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116379 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW |  | XXXX |  | XXXX | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXX | XXXX | 4350116381 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116382 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116383 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LOAN AGREEMENT | XXXX1XXXX UPLOADED | XXXX | XXXX: RECEIVED CONFIRMATION COUNTERPARTY DOES NOT PRODUCE LOAN AGREEMENTS | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350116382 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | $XXXX LIQUIDITY < $XXXX MINIMUM REQUIRED. | XXXXXXXX: UPLOADED | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.15

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** | **Response** |
| XXXX | XXXX | 4350116371 |  | CASH OUT AMOUNT | XXXX | XXXX | Per HUD |  |
| XXXX | XXXX | 4350116381 |  | CASH OUT AMOUNT | XXXX | XXXX | Per HUD |  |
| XXXX | XXXX | 4350116372 |  | DSCR | 1.106140746 | 1.204 | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116373 |  | DSCR | 1.021611336 | 1.0015 | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116375 |  | DSCR | 1.40391789 | 1.4494 | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116383 |  | HAZARD INSURANCE PREMIUM | XXXX | XXXX | Per Insurance Premium |  |
| XXXX | XXXX | 4350116373 |  | MOST RECENT PROPERTY VALUATION DATE | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116373 |  | PITIA | XXXX | XXXX | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116375 |  | PITIA | XXXX | XXXX | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116383 |  | PITIA | XXXX | XXXX | Discrepancy carried forward |  |
| XXXX | XXXX | 4350116371 |  | PURCHASE PRICE | XXXX | XXXX | Refinance |  |
| XXXX | XXXX | 4350116381 |  | PURCHASE PRICE | XXXX | XXXX | Purchase |  |
| XXXX | XXXX | 4350116382 |  | PURCHASE PRICE | XXXX | XXXX | Purchase |  |
| XXXX | XXXX | 4350116371 |  | QUALIFYING RENT | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116372 |  | QUALIFYING RENT | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116379 |  | QUALIFYING RENT | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116380 |  | QUALIFYING RENT | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116382 |  | QUALIFYING RENT | XXXX | XXXX | Per Appraisal and Lease |  |
| XXXX | XXXX | 4350116373 |  | TAXES | XXXX | XXXX | Per tax cert |  |

---

## Exhibit 99.16

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.16**

**Executive Summary**

COLT 2025-9

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by ("Lone Star Residential Acquisitions, LLC"). The review was conducted from June 2025 to August 2025 on mortgage loans originated from May 2025 to July 2025. The review consisted of 100% of the population of 119 loans with an original loan balance of $55,114,523.00.

**Scope of Review**

**Credit Review**

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

The credit review will include the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application, and
all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

![](maxwell.gif)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject and all
premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of rental income and/or market rents and validation of DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act.

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For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment properties or business purpose loans, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's
originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence determines the mortgage loan's status under the ATR or QM
rule requirements and assigns a due diligence mortgage loan designation. Generally, MaxDiligence notes as a material exception if the
due diligence findings do not confirm the originator's mortgage loan designation. Additionally, MaxDiligence notes if an originator
mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal
Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, MaxDiligence then determines whether
the

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mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption 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.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, MaxDiligence then determines
whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within the applicable underwriting
guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR
Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence 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 will verify such information using reasonably reliable third-party
records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves;
to confirm that the borrower has current or reasonably expected income or assets (other than the value of the property that secures the
Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to calculate projected monthly mortgage
payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI") calculation, to
properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle, interest, taxes, and
insurance ("PITI"), as well as other costs related to the property such as homeowners' association ("HOA")
fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based upon all mortgage and non-mortgage
obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any / all inquiries, and determine a
representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review will include a review of the valuation materials utilized during the origination of the loan and in confirming
the value of the underlying property. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender
per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions, if made
known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and certificates (including certificates
of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy
of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a third-party
valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) review the relative comparable data (gross and
net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal
guidelines; (b) confirm the property value and square footage of the subject property

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was bracketed by comparable properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current
use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average
or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was
ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as part of the origination
decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are discrepancies
that could not be resolved, MaxDiligence will create an exception and work with the client on the next steps which may include ordering
of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property
valuation products included in MaxDiligence's review result in a variance of more than 10% then the client will be notified of such
variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements
of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards, including ensuring the
appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor,
were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excludes business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each

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mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial LE are
completed; and (iii) the Initial LE accurately reflects the information provided to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised LE; and
(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for the purpose of Tolerance Testing.
A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes of Tolerance Testing.
All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) Business Days from the application date, and at least
seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) Business Days from date of the "valid reason"
giving rise to the Revised LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability were accurately completed
and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all sections of the CD are completed;
and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason for the change; (ii) that the
CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting period prior
to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) Business Days prior to the consummation date. With respect to applicable
exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was
delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with

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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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part
1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission under
TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments,
the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final CD,
and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered accurate as defined by
Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain changes
or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the prescribed cure.
Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "), and iii) with
respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund
as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a
revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed
in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business Days
after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u>![](maxwell.gif)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection
with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor
provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on

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the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations within
three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

![](maxwell.gif)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day disclosure
requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business Days prior to consummation;
and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

**Data Tape Integrity Review**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

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**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 71.43% of the pool receiving an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| **Event Grade** | **Loan Count** | **Percent of Loans** |
| A | 85 | 71.43% |
| B | 34 | 28.57% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **119** | **100.00%** |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Event Grade** | **Loan Count** | **Percent of Loans** |
| A | 90 | 75.63% |
| B | 29 | 24.37% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **119** | **100.00%** |
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Event Grade** | **Loan Count** | **Percent of Loans** |
| A | 112 | 94.12% |
| B | 7 | 5.88% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **119** | **100.00%** |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Event Grade** | **Loan Count** | **Percent of Loans** |

---

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| | | |
|:---|:---|:---|
| A | 119 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **119** | **100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (i.e., a loan with a Credit Grade of "A", Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Exception Level Grade** | **Exception Category** | **Total** |

---

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| | | | |
|:---|:---|:---|:---|
| Credit | A | Approval - Lender Income Calculation Missing | 2 |
| Credit | A | Approval/Underwriting Summary Not Provided | 2 |
| Credit | A | Asset 1 Expired | 1 |
| Credit | A | Assets - Earnest Money Deposit | 1 |
| Credit | A | Assets - Insufficient Cash to Close or Reserves | 1 |
| Credit | A | Assets - Miscellaneous | 1 |
| Credit | A | Audited CLTV Exceeds Guideline CLTV | 1 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 1 |
| Credit | A | Audited HCLTV Exceeds Guideline HCLTV | 1 |
| Credit | A | Audited LTV Exceeds Guideline LTV | 1 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| Credit | A | Borrower 1 Business Bank Statements Missing | 1 |
| Credit | A | Borrower 1 Credit Report is Missing | 1 |
| Credit | A | Borrower 1 Gap Credit Report is Missing | 2 |
| Credit | A | Borrower 2 Total Years Employment Verified is Less Than 24 Months | 1 |
| Credit | A | Business Purpose - Loan Guaranty/Missing | 1 |
| Credit | A | Bwr1 Income - Business Bank Statements Less than 12 Months | 2 |
| Credit | A | Cash Out Does Not Meet Guideline Requirements | 1 |
| Credit | A | Cash reserves less than required by guidelines | 1 |
| Credit | A | Citizenship Documentation Not Provided | 1 |
| Credit | A | Condo - Documentation | 1 |
| Credit | A | Corporation/LLC: EIN Doc is Missing | 1 |
| Credit | A | Corporation/LLC: Operating Agreement Doc is Incomplete | 1 |
| Credit | A | DSCR does not meet Guidelines | 1 |
| Credit | A | Eligibility - Citizenship Requirements | 1 |
| Credit | A | Eligibility - Investor Experience | 2 |
| Credit | A | Evidence of Property Tax Missing | 1 |
| Credit | A | Flood Insurance Policy Missing | 1 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 1 |
| Credit | A | Hazard Insurance Coverage Amount is less than Required Coverage Amount | 2 |
| Credit | A | Hazard Insurance Policy is Partial | 2 |
| Credit | A | HO6 Master Insurance Policy is Missing | 1 |
| Credit | A | Housing History Does Not Meet Guideline Requirements | 1 |
| Credit | A | Income - Comparable Rent Schedule Form 1007 Missing | 1 |
| Credit | A | Income - Guideline Requirements | 1 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 2 |
| Credit | A | Liabilities - Not Verified | 1 |
| Credit | A | Liabilities - REO | 4 |
| Credit | A | Missing Lease Agreement | 1 |
| Credit | A | Missing letter of explanation | 2 |
| Credit | A | Missing Property Tax Cert | 1 |
| Credit | A | Missing VOM or VOR | 2 |
| Credit | A | No Credit Findings | 53 |
| Credit | A | Potential Occupancy/Current Address Issues identified in the file | 1 |
| Credit | A | Program Parameters - Guidelines Conformity | 1 |
| Credit | A | Program Parameters - Occupancy | 1 |
| Credit | A | Security Instrument Date does not equal Note Date | 1 |
|  |  | ***Total Credit Grade (A) Exceptions*** | ***112*** |
| Credit | B | Asset Qualification Does Not Meet Guideline Requirements | 1 |
| Credit | B | Assets - Insufficient Cash to Close | 1 |
| Credit | B | Audited Loan Amount is greater than Guideline Maximum Loan Amount | 1 |
| Credit | B | Audited Loan Amount is less than Guideline Minimum Loan Amount | 3 |
| Credit | B | Audited LTV Exceeds Guideline LTV | 3 |
| Credit | B | DSCR does not meet Guidelines | 2 |
| Credit | B | Eligibility - Investor Experience | 1 |
| Credit | B | Gift Letter - Donor Qualification | 1 |
| Credit | B | Housing History Does Not Meet Guideline Requirements | 2 |
| Credit | B | Program Parameters - Guidelines Conformity | 13 |
| Credit | B | Program Parameters - Property Type | 1 |
| Credit | B | Program Parameters - Residual Income | 1 |
| Credit | B | Qualifying Credit Score does not meet eligibility requirement(s) | 1 |
|  |  | ***Total Credit Grade (B) Exceptions*** | ***31*** |
| Property | A | Missing Appraisal | 1 |
| Property | A | Missing Doc - 3rd Party Valuation Product/Missing | 1 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | Value - Field Review Supports Value within 10% | 1 |
| Property | A | Value - Value is supported within -10% of original appraisal amount | 108 |
|  |  | ***Total Property Grade (A) Exceptions*** | ***112*** |

---

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---

| | | | |
|:---|:---|:---|:---|
| Property | B | Missing Doc - 3rd Party Valuation Product/Missing | 1 |
| Property | B | Missing Doc - Second Appraisal Missing | 1 |
| Property | B | Property Issue - Condo Ineligible | 2 |
| Property | B | Property Issue - Ineligible Property | 1 |
| Property | B | Property Issue - Neighborhood Location | 1 |
| Property | B | Property Issue - Property Size | 1 |
|  |  | ***Total Property Grade (B) Exceptions*** | ***7*** |
| Compliance | A | 1-4 Family Rider is Missing | 1 |
| Compliance | A | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | 1 |
| Compliance | A | Federal - Finance Charge Disclosure Tolerance (Closed End) | 1 |
| Compliance | A | Final CD: Prepayment Penalty is missing or inaccurate | 2 |
| Compliance | A | Missing evidence Mortgage/Deed of Trust will be recorded | 1 |
| Compliance | A | Missing Initial TIL | 1 |
| Compliance | A | Missing Prepayment Rider | 1 |
| Compliance | A | No Compliance Findings | 28 |
| Compliance | A | No Compliance Tests Performed | 70 |
| Compliance | A | PUD Rider is Missing | 1 |
| Compliance | A | The Deed of Trust is Incomplete | 2 |
| Compliance | A | The Deed of Trust is Missing | 2 |
| Compliance | A | The Final 1003 is Missing | 3 |
| Compliance | A | The Initial 1003 is Missing | 2 |
| Compliance | A | The Note is Incomplete | 1 |
| Compliance | A | TRID: CD not delivered at least 3 days prior to consummation | 1 |
| Compliance | A | TRID: Missing Final Closing Disclosure | 1 |
| Compliance | A | TRID: Missing Initial Closing Disclosure | 1 |
| Compliance | A | TRID: Missing Loan Estimate | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions*** | ***121*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 119 mortgage loans reviewed, 66 unique mortgage loans (by loan count) had a total of 127 different tape discrepancies across 28 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

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| | | | |
|:---|:---|:---|:---|
| **Row Labels** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** |
| Amortization Term | 3 | 61 | 4.92% |
| B1 Verified Citizenship Designation | 4 | 18 | 22.22% |
| B2 Verified Citizenship Designation | 1 | 11 | 9.09% |
| Borrower 1 Citizen | 1 | 19 | 5.26% |
| Borrower 1 Qualifying Income | 1 | 19 | 5.26% |
| Borrower 1 Self-Employment Flag | 1 | 14 | 7.14% |
| Borrower 2 Last Name | 1 | 12 | 8.33% |
| Calculated DSCR | 6 | 51 | 11.76% |
| Cash out Include Debt Paid at Close | 10 | 20 | 50.00% |
| Final Reviewed QM Status | 6 | 11 | 54.55% |
| Interest Only Flag | 2 | 79 | 2.53% |
| Interest Rate | 15 | 108 | 13.89% |
| Loan Amount | 4 | 118 | 3.39% |
| Loan Type | 16 | 58 | 27.59% |
| Originator DSCR | 6 | 30 | 20.00% |
| Prepayment Penalty Calculation | 2 | 19 | 10.53% |
| Primary Appraised Property Value | 1 | 19 | 5.26% |
| Property Address | 1 | 100 | 1.00% |
| Property Type | 5 | 118 | 4.24% |
| Property Zip Code | 2 | 108 | 1.85% |
| Qualifying CLTV | 1 | 40 | 2.50% |
| Qualifying FICO | 4 | 93 | 4.30% |
| Qualifying LTV | 3 | 89 | 3.37% |
| Qualifying Total Debt Income Ratio | 8 | 55 | 14.55% |
| Qualifying Total Reserves Number of Months | 13 | 59 | 22.03% |
| Reviewed Appraised Property Value | 3 | 18 | 16.67% |
| Sales Price | 1 | 65 | 1.54% |
| Verified Doc Type | 6 | 40 | 15.00% |

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![](maxwell.gif)

**Event Grade Definitions**

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| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Property 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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![](maxwell.gif)

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| | |
|:---|:---|
| **Property Event Grades** | **Property 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 99.17

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.17**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. A DSCR under 1.0 for foreign national is not allowed. A formal exception is in the file. <br>|  |  |  | The exception was approved as the LTV is less than 70% and at least 5% less than guideline maximum, monthly reserves are at least 4 months greater than the guideline minimum. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. The Initial Closing Disclosure is not present. Upon receipt of the document additional findings may be added. <br>|  | Document Uploaded. - XXXX<br>|  |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Property | Value - Field Review Supports Value within 10% | A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited loan amount is greater than the guideline Maximum loan amount. The max loan amount is XXXX per guidelines for cash out refinance Single Family Residence. A formal exception is in the loan file. <br>|  |  |  | The borrower's FICO is higher than 740, and at least 20 pints higher than guideline minimum. The qualifying DTI is less than 35% and at least 10% less than the guideline maximum. The monthly reserves verified and at lest 4 months more than the guideline minimum. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Credit report is required, see Credit Section: In all cases, a credit report must be included in the file evidence that the borrower's score or score is not available. Missing Credit Report for B1 as the Credit Score Disclosure Notices show scores for all three credit bureaus. Score used in transaction 680. <br>|  | Document Uploaded. this is only required if we are qualifying with US credit - see snip of guidelines (this is not required in our case) - XXXX<br>| This is the default score 680 for Foreign Nationals- no credit report required. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. Foreign National DSCR under 1.0 is not allowed. A formal exception is in the file.<br>|  |  |  | The exception was approved due to the LTV at 65% maximum and the DSCR cannot fall below .80. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. Unable to locate a business narrative and an internet search for borrower's business. Please provide the business narrative and an internet search as required per guidelines. <br>|  | Document Uploaded. Attached business narrative and google search. Borrower is a XXXX and is offered different gigs. - XXXX<br>| Received satisfactory documentation - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | The Final 1003 is Missing | The final 1003 is missing. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Received 1003 - XXXX<br>The Final 1003 provided is not fully executed, missing the date of signature. Provide the fully executed copy of the Final 1003. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. The 1-4 Family Rider is not executed by the borrower. Provide executed copy of 1-4 Family Rider. <br>|  | Document Uploaded. - XXXX<br>| The executed 1-4 Family Rider provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. <br>|  | Document Uploaded. attached. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>The Initial 1003 is present. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Assets - Insufficient Cash to Close | The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. The file contains a bank statement for the borrower with $910 of own funds and a XXXX gift. Per the guidelines gifts are allowed for a purchase transaction only. No exception was located in the file to allow this gift, resulting in insufficient funds needed to close. Please document sufficient funds required to close plus 6 months of reserves. <br>|  | Document Uploaded. Exception to permit the use of a XXXX gift toward funds to close on a refinance transaction.<br> Per program guidelines, gift funds are only allowed for purchase transactions. However, the borrower has provided documentation of $XXXX in verified assets, which includes $XXXX in personal funds and a XXXX gift. The total funds required to close are $XXXX. This results in a surplus of approximately $XXXX, which is more than sufficient to cover the required 6 months of reserves. The borrower's financial profile demonstrates strong asset strength and the ability to meet all reserve and closing obligations. Therefore, the gift funds can be accepted for this refinance transaction. - XXXX | Per the guidelines gifts are allowed for a purchase transaction only. A formal exception was provided. - XXXX<br>| The exception was approved based on reserves of 3 months greater than the program requires, a high FICO, high DSCR and a low LTV of 44.944%. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. In order to use a higher lease amount than the market rent the guidelines require 2 months receipt of rental income. Please provide 2 months receipt of the XXXX monthly rent. <br>|  | Document Uploaded. Exception to permit the use of a XXXX monthly lease agreement without the currently required two months of rental income receipts.<br> The subject lease agreement shows a monthly rent of XXXX, based on the existence of a fully executed lease agreement and the overall strength of the borrower's financial profile. The high lease amount further supports the income and repayment ability, despite the lack of receipts. - XXXX<br>| In order to use a higher lease amount than the market rent the guidelines require 2 months receipt of rental income. A formal exception was provided. - XXXX<br>| The exception was approved based on reserves of 3 months greater than the program requires, a high FICO, high DSCR and a low LTV of 44.944%. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. File does not contain VOM for subject mortgage from opening in XXXX to first documented payment onXXXX<br>|  | Document Uploaded. Please see the 2 attached statements showing account history of clean payments from XXXX to XXXX. These trailing account history's are allowed as opposed to VOM's under our guidelines. - XXXX<br>| XXXXs Inc. Statement dated XXXX showed 0x30 activity, due for XXXX - Subject loan closed XXXX. - XXXX<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Eligibility - Citizenship Requirements | The documented citizenship does not meet guideline requirements. File does not contain borrower's identification. <br>|  | Document Uploaded. Please see the attached borrower ID - XXXX<br>| Received borrower current identification. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Missing Appraisal | The loan file does not contain the appraisal. Provide complete appraisal with all pages.<br>|  | Document Uploaded. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide insurance and tax information on XXXX and XXXX (primary residence), and include payment in DTI and update URLA REO. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX <br>Document Uploaded. REO docs - XXXX<br>| Documentation provided is sufficient and updated DTI is still within the guideline maximum. - XXXX<br> Documentation for the XXXX property is sufficient. However, documentation required for the XXXX XXXX property was not received. - XXXX<br> To clarify, the documentation for the XXXX property shows it is a HELOC, which does not typically escrow for taxes, insurance, etc. Please document the taxes, insurance and any HOA fees for the XXXX property. To clarify, the XXXX XXXX mortgage statement appears to show it is only escrowed for flood insurance. Please document taxes, hazard insurance and HOA fees for XXXX XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Please provide the income worksheet to support the income used to qualify. Audit income is slightly lower than the lender. <br>|  | Document Uploaded. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The guidelines require 6 months of rent loss which is not reflected on the hazard declarations page. Please document rent loss as per guidelines. <br>|  | Document Uploaded. insurance policy with rent loss coverage - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. The loan amount is XXXX, which does not meet guidelines minimum loan amount of XXXX. Please provide a formal exception form. <br>|  | Document Uploaded. See attached - XXXX<br>| he loan amount is XXXX, which does not meet guidelines minimum loan amount of XXXX. A formal exception has been provided. - XXXX<br>| Loan approved based on reserves more than 50 months from loan proceeds, DSCR > 1.00, and 67% LTV is below max of 75%. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. The condo is not currently approved by XXXX due to critical facade issues. A formal exception is in the file. <br>|  |  |  | The exception was approved due to LTV of 40%, credit score of 787, and borrower has over 12+ months in reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Credit | Missing Lease Agreement | Per the appraisal, the subject property is tenant occupied. The property was acquired on XXXX. Per guidelines, when calculating the DSCR, the lower of Lease agreement or market rent survey from appraisal report should be used. XXXX was used as the rental income, but the 1007 reflects XXXX. Please provide a copy of the lease agreement. <br>|  | $XXXX was used for dscr ratio per 1007. Current tenants do not have a lease. - XXXX | documentation is sufficient - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per the guidelines a first time home buyer is allowed by exception only. No exception was located in the file. <br>|  | Document Uploaded. attached. - XXXX<br>| Per the guidelines a first time home buyer is allowed by exception only. A formal exception was provided. - XXXX<br>| The exception was approved based on reserves of 3 months greater than program requirement, a high FICO over program requirement, and a low LTV of 44.869%. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Property is a condominium project does not meet guideline requirements. Condo minimum square footage is XXXX. The condo unit is XXXX. A formal exception is in the loan file. <br>|  |  |  | LTV is 60% with 12 month reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Missing exception. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. Attached internal exception. No compensation factors needed. - XXXX<br>| FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Exception approved. - XXXX<br>The exception provided does not detail LTV exception request and whether the exception was approved or not (approved box is not checked) . - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Missing exception. <br>|  | Document Uploaded. attached. - XXXX <br>Document Uploaded. Attached internal exception. No compensation factors needed. - XXXX<br>| FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Exception approved. - XXXX<br>The exception provided does not detail LTV exception request and whether the exception was approved or not (approved box is not checked) . - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Missing exception. <br>|  | Document Uploaded. attached. - XXXX <br>Document Uploaded. Attached internal exception. No compensation factors needed. - XXXX<br>| FTHB restrictions: 5% LTV reduction , reduced 80% to 75%. FTHB MAX LTV 70%. 75% LTV exceeds 70% max LTV. Exception approved provided. - XXXX<br>The exception provided does not detail LTV exception request and whether the exception was approved or not (approved box is not checked) . - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Borrower is a first time homebuyer on a DSCR loan. File contains a formal exception. <br>|  |  |  | Loan approved based on 3 months reserves greater than program requirements and high FICO over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per the matrix, the max LTV for cash-out refinance is 60%. Unable to locate an exception in the file for the higher LTV of 67.31%. <br>|  | Document Uploaded. - XXXX<br>| Per guidelines-max LTV for cash-out refinance is 60%. Loan approved with LTV 67.31%. A formal exception is in file. - XXXX<br>| Compensating factors-FICO 712, DTI 42.42, and more than 12 months reserves remaining. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. <br>|  | Document Uploaded. attached. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>The Initial 1003 is present. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per Guidelines first time homebuyers are allowed on an exception basis. File did not contain exception documentation. <br>|  | Document Uploaded. attached. - XXXX<br>| Per Guidelines first time homebuyers are allowed on an exception basis. A formal exception was provided. - XXXX<br>| The exception was approved based on reserves of 3 months more than required, and a high credit score over the program requirements. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The borrower does not meet the tradeline requirement. Per guidelines, 3 credit scores with 1 current tradeline reporting with activity in the last 24 months is required. A formal exception is located in the loan file. <br>|  |  |  | Loan approved based on monthly reserves are greater than the minimum 4 month requirement. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Qualifying Credit Score does not meet eligibility requirement(s) | Minimum required credit score for investment cash-out refinance for DSCR .75 < 1.00 is 700. A formal exception is in the file (page 240), as borrower's credit score is at 677. <br>|  |  |  | Loan approved based on subject is owned free and clear and, assets are $XXXX, which exceeds required reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. DSCR ratio is at 0.86 using the 1007 market rent which is lower than Host Lease in file as indicated in the guidelines. Maximum LTV per guidelines is 75% for a DSCR of less than 1.0; however, the subject LTV is 80%. No approved exception was found in file. <br>|  | Document Uploaded. added. - XXXX <br> This is the XXXX overlay loan. We are using the lease rental income and capping it at 125% of the rent listed in the appraisal report. The required three months of supporting documentation have already been provided, and the DSCR is over 1. - XXXX | Refinance transactions allow the use of 125% of 1007 market rent cap when actual rents exceed 125% of market rents, when subject transaction is a purchase - An approved exception is in file. - XXXX<br>Received explanation. Guidelines state that for refinances, the higher 12-month lease agreement amount may be used with evidence of the two months most recent, consecutive history of timely receipt and the lease agreement amount may not be greater than 125% of the market rent from appraisal report. Since the subject transaction is a purchase, the aforementioned guideline caveat would not apply. Please provide an approved exception allowing for the use of this guideline caveat for a purchase transaction. - XXXX<br>| Compensating factors used were three months reserves are greater than program requirement and Credit score is higher than program requirement. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Security Instrument Date does not equal Note Date | Security instrument date does not match the Note date. Missing Mortgage Deed of Trust and all applicable riders. <br>|  | Document Uploaded. - XXXX<br>| Executed Deed of Trust and Riders provided. - XXXX<br>Security Instrument Date matches Note Date - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. <br>|  | Document Uploaded. - XXXX<br>| Executed Deed of Trust and Riders provided. - XXXX<br>The Deed of Trust has been provided. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording. The Final Deed of Trust is not recorded. The Final Closing Disclosure shows $XXXX for Recording Fees. Missing evidence of Mortgage recording.  |  | Document Uploaded. - XXXX<br>| Deed of Trust is recorded per copy provided. - XXXX<br>Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Provide verification of new purchase on primary residence and rent or rent free history of prior residence. <br>|  | Document Uploaded. See attached. - XXXX<br>| Housing history meets guideline requirements. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. Subject loan amount is $XXXX, but the guideline minimum loan amount is XXXX. Please provide a formal exception for the loan amount. <br>|  | Document Uploaded. - XXXX<br>| Subject loan amount is $XXXX; guidelines cite the minimum loan amount is XXXX. A formal exception has been provided. - XXXX | Loan approved based on LTV is only 70% less than 80%, FICO is 802, DSCR >1.0, 19 months reserves. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The borrower is a first time homebuyer on a DSCR loan. File contains a formal exception. <br>|  |  |  | Loan approved based on 3 months reserves greater than program requirement, high FICO over program requires and high DSCR. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Hello - All of our loans are business purpose DSCR. They do not include a 1008 / approval summary. - XXXX<br>| Loan approval not required. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | The Final 1003 is Missing | The final 1003 is missing. Loan file is missing application/applicant details. <br>|  | Document Uploaded. Attempting to upload again - XXXX <br>Document Uploaded. Please see the attached applications. - XXXX<br>| The final 1003 has been provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Potential Occupancy/Current Address Issues identified in the file | Provide explanation for the following: Per XXXX appraisal the subject property was noted as vacant when the lease agreement in file was entered into XXXX and began XXXX. Guideline requires a 5% LTV reduction for refinances when property is vacant at time of origination. <br>|  | Document Uploaded. Appraiser mistake in labeling the property as vacant. Please see the attached completed lease affidavit and accompanying 4 months of proof of rental income for the subject property - XXXX<br>| Received explanation with four months evidence of $XXXX monthly deposited into business account accompanied by Borrower Lease Affidavit to show subject has been rented since XXXX per lease agreement. Interior subject property photos further support occupancy. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Guidelines require an in-place lease agreement at origination when both subject units are in month-to-month tenancy status - A formal exception is in file. <br>|  |  |  | Compensating factors used are Strong borrower credit history and DSCR score for the subject, Unit 1 tenant has been in place since XXXX, and Proof of rent receipts in file. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Citizenship Documentation Not Provided | Borrower 1 Citizenship Documentation is missing from the file. Application in the file reflects US Citizen and Permanent Resident Alien. Please clarify and document if one or both borrowers are Permanent Resident Aliens. <br>|  | Document Uploaded. Please see the attached. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject property was purchased on XXXX as a distressed sale for XXXX. The file does not contain the settlement statement for the purchase. The file does contain a settlement statement for what appears to be a delayed purchase refinance for XXXX, showing XXXX as construction escrow funds. In order to use the current appraised value of XXXX and/or the original cost plus renovations, the guidelines require a budget or scope of work to support. The scope of work in the file supports only XXXX. Please document the original purchase to enable this cash out refinance within 180 days. Also provide the documentation of the rehab budget/costs to support at least XXXX, in order to use the current value for LTV. <br>|  | Document Uploaded. Hello - We do not require the budget of repairs to be in the amount of value increase (XXXX) The budget provided matches the escrowed funds found on the original loans settlement statement and before and after photos were provided to support the value increase. These documents along with the attached additional internal comps were sufficient in using the updated property value - XXXX<br>| Explanatation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, there must be no mortgage payment lates within the last 24 months. A formal exception is in the loan file for a 1 time 30 day late reported in XXXX. <br>|  |  |  | Depth of the prior property management housing history is 5 years. Reserves exceeds minimum required by over 6 months. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. Guideline requires borrower to engage a third-party property management firm if the property management experience requirements are not met to self-manage. The Guarantor has owned the subject property for less than two years and qualifying credit score is less than 700. <br>|  | Document Uploaded. Hello - Guideline does not require them to have 2 years managing the "Subject property" , but does require 2 years of general rental property management experience. Please see the attached property reports for 2 rental properties borrower has owned for >2years - XXXX<br>| Received property reports for two properties that Guarantor currently owns and acquired > 2 years ago. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, there must be no mortgage payment lates within the last 24 months. A formal exception is in the loan file for a 1 time 30 day late reported in XXXX. <br>|  |  |  | Depth of the prior property management housing history is 5 years. Reserves exceeds minimum required by over 6 months. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. Guideline requires borrower to engage a third-party property management firm if the property management experience requirements are not met to self-manage. The Guarantor has owned the subject property for less than two years and qualifying credit score is less than 700. <br>|  | Document Uploaded. Hello - Guideline does not require them to have 2 years managing the "Subject property" , but does require 2 years of general rental property management experience. Please see the attached property reports for 2 rental properties borrower has owned for >2years - XXXX<br>| Received property reports on two properties that Guarantor acquired > 2 years ago. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The LTV is 70%, but guidelines allow a maximum of 60%. An exception is in the file for the LTV and one mortgage late, but it does not list any compensating factors. Please provide a formal exception listing compensating factors. <br>|  | Document Uploaded. attached. - XXXX<br>| Audited LTV exceeds guideline LTV. The LTV is 70%, but guidelines allow a maximum of 60%. A formal exception is in the file for the LTV and one mortgage late. Note: Did not locate a 30 day mortgage late. - XXXX<br>| Loan approved based on 3 months reserves greater than program requirements and high FICO over program requirements. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12- 24 month housing history for the subject property XXXX. <br>|  | Document Uploaded. Please see the attached VOM - XXXX<br>| 38 month VOR provided for XXXX. - XXXX<br> Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Missing tax cert for property ta $XXXX monthly ($XXXX annual) used in the transaction. <br>|  | Document Uploaded. Please see the attached response from the closing attorney - XXXX <br>Document Uploaded. Please see the attached Tax Cert - XXXX<br>| Using either amount DSCR is still above 1. However, the payment letter shows the higher tax used with calculates to 1.073 ratio vs Tape 1.088 using lower. - XXXX<br> The documentation provided does not state $XXXX annual property tax. It shows $XXXX Provide documentation to support $XXXX used or an explanation ofthe calculation. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing <br>|  | Document Uploaded. not required - XXXX<br>| Received explanation - Guidelines stipulate not required for DSCR program. - XXXX<br>|  | XXXX | Void | 4 |  | 4 | 1 |
| XXXX | XXXX | 4350116435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report dated within 30 days prior to the loan closing. A gap credit report was not found in file. <br>|  | Document Uploaded. - XXXX<br>| Borrower 1 Gap Credit Report is not missing. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, DSCR ratio less than 1 is allowed only when credit score is greater than 720. A formal exception is located in the loan file for a DSCR ratio less than 1; for a Foreign National with no credit score. <br>|  |  |  | The exception was approved with a DSCR greater than .84 and 9 months of reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Missing Social Security income worksheet and rental worksheet for the subject property. <br>|  | Document Uploaded. - XXXX<br>| Received explanation of income calculations. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Subject REO loss ($-XXXX)+ Other debt per CBR $XXXX plus primary TIA $XXXX per tax bill= Total debt $XXXX= 43.41%. The originator used $XXXX as XXXX which is not supported. Provide exception for DTI exceeding max 43%per Approval or clarification of use of lower taxes for XXXX Place.  |  | Document Uploaded. Please see the attached matrix - this is the matrix we use to determine the DTI - XXXX<br>| The max DTi is 50% per matrix and guidelines. It was made clear that clear to close should not be followed. - XXXX<br> Per Clear to Close approval/ notification, the DTI may not exceed 43% per lender. An exception is needed in order to clear the DTI exceeding the 43%.Subject REO loss ($-XXXX)+ Other debt per CBR $XXXX plus primary TIA $XXXX per tax bill= Total debt $XXXX/ $XXXX= 43.41%. The originator used $XXXX as XXXX XXXX Pl which is not supported. At the time of origination/close, the loan closed due to DTI below 43%. However, we need an exception to the DTI now exceeding the 43% per approval/clear to close. - XXXX<br> Per Clear to Close approval/ notification, the DTI may not exceed 43% per lender. An exception is needed in order to clear the DTI exceeding the 43%. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Flood Insurance Policy Missing | Missing flood insurance policy. It appears borrower may have her own flood policy. It is not in file. Originator to provide policy. <br>|  | Document Uploaded. The XXXX fee was in there in error. The master insurance policy carries the flood insurance. The borrower was not charged the XXXX on the PITI payment. Attached is a copy of the revised 1008 and 1003 reflecting the XXXX removed from the loan. - XXXX<br>| Received explanation with revised 1008 and 1003. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Loan guaranty is not signed by borrower XXXX XXXX. <br>|  | Document Uploaded. Please find the agreement executed by XXXX XXXX. Thank you. - XXXX<br>| Received - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Exception in file to allow usage of appraisal lacking of 2 unit rental comps. <br>|  |  |  | Compensating factors-Credit score 50+ points > minimum required- 741 (640). Reserves 2+ mo over minimum required -8mo (2mo). | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Asset 1 Expired | Asset expired. Funds held with XXXX XXXX are over 90 days old. <br>|  | Document Uploaded. Please find the certification regarding XXXX XXXX. This asset was not used for closing and/or reserves. Please clear the condition. Thank you. - XXXX<br>| explanation meet requirements - XXXX<br>Asset 1 Not Expired - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | XXXX | 4350116444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Per the final closing disclosure, the maximum prepayment penalty should be $XXXX. After entering information from the prepayment penalty rider the maximum is calculating as $XXXX.  |  | Document Uploaded. Please see the signed attachments. Thank you. - XXXX <br>Document Uploaded. Hello please find the final Closing Disclosure. On the first page, the prepayment penalty is marked as 'yes'. Please clear the condition. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br> Based on the prepayment rider the calculation for the prepayment penalty is higher than the calculation should be. Prepayment penalty calculates to $XXXX vs what's stated on final CD $XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. 1. The borrowers own 2 vacant/parking lots located at; XXXX, unable to locate the property tax certs for these properties to verify the $10/mo rent loss as stated on the final 1003. 2.prior primary XXXX pending sale/excluded from DTI, no final CD for sale in file. <br>|  | Document Uploaded. I provided the screen shots highlighting the lot info. I also am provide the tax certs for each of the lots. These should be sufficient for the vacant lots. Thank you. - XXXX<br>| Documentation meet requirements for 2 vacant/parking lots located at; XXXX. <br> Moving fwd including prior primary XXXX XXXX XXXX in DTI. Documentation requested, not provided. Including still within guidelines approval DTI. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. Although minimum DSCR ratio appears to have been met for an Interest Only loan; calculated DSCR of 0.99 does not meet guideline ratio of 1.0 for a First Time Investor. <br>|  | Audit PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX HOA=$XXXX vs Originator PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX=$XXXX. Audit DSCR $XXXX=0.990. There is no documentation in file validating $XXXX monthly HOA. Appraisal in file has $XXXX monthly. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. DSCR can be rounded and was calculated according to the standard calculator. 1.00 should be used. - XXXX | documentation meet requirements - XXXX<br> Audit PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX HOA=$XXXX vs Originator PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX=$XXXX. Audit DSCR $XXXX=0.990. There is no documentation in file validating $XXXX monthly HOA. Appraisal in file has $XXXX monthly. - XXXX<br> Document Uploaded. - XXXX<br> Audit PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX HOA=$XXXX vs Originator PITIAS $XXXX PI + XXXX Tax + XXXX HOI + XXXX=$XXXX. Audit DSCR $XXXX=0.990. There is no documentation in file validating $XXXX monthly HOA. Appraisal in file has $XXXX monthly. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. Missing EMD $XXXX documentation. <br>|  | Document Uploaded. - XXXX<br>| Total Cash reserves are greater than $0. - XXXX<br> Total Cash reserves of '$-XXXX' are less than $0. - XXXX<br> documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$-XXXX', are less than $XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. Missing EMD $XXXX documentation. <br>|  | Document Uploaded. - XXXX<br>| Liquid Funds Post-Close are greater than or equal to $0. - XXXX<br> Liquid Funds Post-Close of '$-XXXX', are less than $0. - XXXX<br> Liquid Funds Post-Close of '$-XXXX', are less than $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - XXXX<br> documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. <br>|  | Document Uploaded. - XXXX<br>| Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - XXXX<br>documentation meet guideline requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Per LM calculation 5%/36 mos/ UPB threshold Original Principal Balance =$XXXX for maximum prepayment penalty amount vs $XXXX shown on the final CD  |  | Document Uploaded. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. The borrower is a first time investor. Per guidelines, the minimum DSCR is 1. The loan was approved with a DSCR of 0.79. A formal exception is located in the loan file reflecting the DSCR of 0.81 and compensating factors are missing. Please provide the updated exception. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Exception has been received - XXXX<br>Please provide the updated formal exception (instead of email) with compensating factors. - XXXX<br>Please provide the updated formal exception (instead of email) with compensating factors. - XXXX<br>| 721 Credit Score. 0x30x12 housing history | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | The Final 1003 is Missing | The final 1003 is missing. Updated final 1003 needed as final 1003 on file has incorrect citizenship. <br>|  | Document Uploaded. Please find updated 1003. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN documentation. Unable to locate the Tax Identification Number (Employer Identification Number- EIN) for XXXX. Please provide the EIN form. <br>|  | Document Uploaded. Attached is the EIN - XXXX <br>Single member LLC, EIN is not required. - XXXX<br>| Received EIN - XXXX<br>The Fusion Guidelines dated XXXX require an EIN verification form. Please cite the section in the guidelines that indicate an EIN form is not required for a single member LLC. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the mortgage statement, taxes and HOA for the properties at XXXX and XXXX. Also, unable to locate the documentation to support the monthly debt of $XXXX for the property at XXXX. Please provide evidence for the PITIA for these 3 properties. Subject to re-evaluation. Note: If the properties located at XXXX have concurrently been refinanced, please provide the final settlement statements, notes and documentation to support the monthly PITIA. <br>|  | XXXX property; it's not refinanced yet; we are still working on this file and not funded yet that's why I provided what we have so far from Credit supplement, HOI. Etc. - XXXX <br>Document Uploaded. - XXXX | Received correspondence from lender. - XXXX<br> It appears XXXX has been refinanced. Please provide the final Closing Disclosure or Note reflecting the new mortgage loan payment. Note: The conditions for XXXX have been resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Gift Letter - Donor Qualification | The gift donor does not qualify under the terms of the applicable guidelines. Per guidelines, the donor must be a relative, defined as the borrower's spouse, child, or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, or legal guardianship, or a fiancé, fiancée, or domestic partner. Per the gift letter, the donors, XXXX, are business partners with the borrower. <br>|  | Document Uploaded. Please find exception form permitting gift funds from business partners. Please clear. Thank you. - XXXX<br>| Exception has been received - XXXX<br>| Monthly reserves are verified AND at least one month more than the guideline minimum. Borrower has verified residual income (disposable income) of at least $XXXX per month. Qualifying DTI is less than 35% AND at least 10% less than the guideline maximum. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. The approval in the file reflects a DTI of 39.553%, but the audited DTI is 28.93%. <br>|  | Document Uploaded. - XXXX<br>| Received updated 1008 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Unable to locate documentation for replacement cost. Current policy $XXXX dwelling <br>|  | Document Uploaded. Hazard insurance with coverage of XXXX was in file. Please refer at page 721. - XXXX<br>| Documentation provided is sufficient. - XXXX<br> We do have a policy reflecting XXXX however the loan amount is $XXXX and policy provided has insufficient coverage for the loan amount. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Calculated DSCR of 0.634 does not meet guideline minimum requirements of 0.75. <br>|  |  |  | Compensating factors listed as Minimum required credit score exceeded by over 30 points and Minimum required reserves exceeded. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. Property is a condominium, project does not meet guideline requirements. <br>|  |  |  | Compensating factors listed as Minimum required credit score exceeded by over 30 points and Minimum required reserves exceeded. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash out does not meet guideline requirements. Judgment Case #XXXX, dated XXXX, XXXX, in the amount of $XXXX. Please provide documentation to support this judgment is for the subject property. Per guidelines, cash-out proceeds must not be used for any personal use, including the payoff of personal<br> debt. <br>|  | Document Uploaded. Hello, the title commitment (item 14-Schedule B) indicates that the judgement is associated with the borrower/property. Please accept and clear. Thank you. - XXXX<br>| Documentation provided is sufficient - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Credit | Income - Guideline Requirements | The income documents provided in the loan file did not meet guidelines. Guidelines states that profit and loss statement are to be signed by CPA. Profit and loss statements in the file are signed by borrower. Also they are dated XXXX to XXXX. Underwriter income calculation sheet is using the dates of XXXX-XXXX. <br>|  | Document Uploaded. Hello please find the XXXX profit and loss statement signed by the CPA. Please accept and clear. Thank you. - XXXX | documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines-Warrantable condos: Projects meeting XXXX requirements are eligible; Non-Warrantable condos: Projects meeting the guidelines outlined in this section are eligible. For anything not addressed in this section, XXXX requirements apply. Collateral: Property is a condominium project does not meet guideline requirements. A formal exception is in file. <br>|  |  |  | Compensating factors-Good FICO score. Low LTV. High residual Income. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | TRID: Missing Loan Estimate | A revised Loan Estimate issued within 3 days of the rate lock date of XXXX is missing from the file. Please provide it for testing. Additional conditions may apply. <br>|  | Document Uploaded. - XXXX<br>| XXXX LE received and tested - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | PUD Rider is Missing | PUD Rider is missing. The subject property is located in a PUD, but the PUD Rider is missing from the loan file. <br>|  | Document Uploaded. - XXXX<br>| updated security instrument with pud rider and intent to record has been received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. The subject property is located in a PUD per the appraisal, but section E of the Security Deed does not have the box checked for the PUD rider. Please provide a copy of the updated Security Deed. <br>|  | Document Uploaded. - XXXX<br>|  |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Missing Doc - Second Appraisal Missing | The loan file did not contain the subject second appraisal as required. Per the guidelines- All transactions under the DSCR Program require either a XXXX CDA (or like product), or field review. Loan approval is using SSR/XXXX CU to meet guideline requirement for 2nd product. A formal exception is in the file. <br>|  |  |  | The compensating factors are that the borrower has good mortgage history, borrower has credit history of over 50 years with no late payments even on mortgages and borrower is an experienced real estate investor with history of owning and managing several non-owner-occupied properties. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form 1007 as required. <br>|  | Document Uploaded. Please find the attached 1007. Please clear. Thank you. - XXXX<br>| 1007 has been received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Program Parameters - Occupancy | The subject loan does not meet program parameters for occupancy. Per guidelines, the value of the borrower's primary residence should exceed the value of the subject property. According to the borrower's letter and TotalView Report provided in the file, it appears that the subject property is worth more than the primary. The formal exception is missing from the loan file. <br>|  | Document Uploaded. - XXXX <br>Hello, an exception form is not required if the subject property is larger than the primary. The exception form is required if there is no primary. The underwriter did review the other items on the file and the borrower's primary residence was validated. I have attached the letter whereby the borrower explains the purchase of the larger property. Please accept and clear the condition. Thank you. - XXXX<br>| Documentation is sufficient - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Liabilities - Not Verified | The application lists debts that were not verified on the credit report and not independently verified. IRS tax payment plans approved by the IRS are permitted if current and do not carry a lien on any property, otherwise the balance should be paid off.. Provide IRS Taxes owed $XXXX have been paid $XXXX. <br>|  | Document Uploaded. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 2 | XXXX | Property | Property Issue - Property Size | The subject appraisal verified that the property/house size does not meet guidelines. The subject is located on XXXX acres. Per guidelines, only XXXX acres are allowed. A formal exception is located in the loan file. <br>|  |  |  | Credit score 10+ points greater than the minimum required. No mortgage lates in the last 48 months. DTI is less than 40%. Primary residence owned for 10 years. Subject property owned for at least 4 years. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 2 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | XXXX | Compliance | Federal - Finance Charge Disclosure Tolerance (Closed End) | The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The CD signed at closing does not have an issued date and the pages 4 and 5 are incomplete and/or inaccurate. <br>|  | Document Uploaded. Please see attached. From our Closing XXXX: A preliminary version of the CD from the title agent, used for balancing, was accidentally combined with the final version during upload. Because of this, the PDF on file included some pages with missing information that do not reflect how the loan actually closed.<br> Please note that the attached CD is the correct and complete version that accurately reflects the terms of the transaction as it closed. We apologize for any confusion this may have caused and have taken steps to ensure the file is now accurate and complete. - XXXX <br> Document Uploaded. Please find the final CD with issue date and all pages for review. Thank you. - XXXX | Received corrected, signed final CD. Finding resolved - XXXX<br>Resolved - XXXX<br>Page 4 of the CD provided is not completed with Assumption/Demand Features/ Partial Payments ect., and the Escrow account information is not filled out. Page 5 has incorrect/missing Loan Calculations and is missing the Lender Contact information. Finding Upheld - XXXX<br>The CD provided discloses inaccurate and/or missing information on pages 4 and 5 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | XXXX | Compliance | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | The disclosed Total of Payments ($XXXX) is understated by more than $XXXX when compared to the actual Total of Payments ($XXXX). The difference is ($XXXX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXXX. (12 CFR 1026.38(o)(1)) The CD signed at closing does not have an issued date and the pages 4 and 5 are incomplete and/or inaccurate. <br>|  | Document Uploaded. Please see attached. From our Closing XXXX: A preliminary version of the CD from the title agent, used for balancing, was accidentally combined with the final version during upload. Because of this, the PDF on file included some pages with missing information that do not reflect how the loan actually closed.<br> Please note that the attached CD is the correct and complete version that accurately reflects the terms of the transaction as it closed. We apologize for any confusion this may have caused and have taken steps to ensure the file is now accurate and complete.<br> - XXXX <br> Document Uploaded. Please find the final CD with issue date and all pages for review. Thank you. - XXXX | Received corrected, signed final CD. Finding resolved - XXXX<br>Resolved - XXXX<br>Page 4 of the CD provided is not completed with Assumption/Demand Features/ Partial Payments ect., and the Escrow account information is not filled out. Page 5 has incorrect/missing Loan Calculations and is missing the Lender Contact information. Finding Upheld - XXXX<br>The CD provided discloses inaccurate and/or missing information on pages 4 and 5 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | XXXX | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. The CD signed at closing does not have an issued date and the pages 4 and 5 are incomplete and/or inaccurate. <br>|  | Document Uploaded. Please see attached. From our Closing XXXX: A preliminary version of the CD from the title agent, used for balancing, was accidentally combined with the final version during upload. Because of this, the PDF on file included some pages with missing information that do not reflect how the loan actually closed.<br> Please note that the attached CD is the correct and complete version that accurately reflects the terms of the transaction as it closed. We apologize for any confusion this may have caused and have taken steps to ensure the file is now accurate and complete. - XXXX <br> Document Uploaded. Please find the full closing disclosure, date issued and all pages. Please clear the condition. Thank you. - XXXX | Received corrected, signed final CD. Finding resolved - XXXX<br>Page 4 of the CD provided is not completed with Assumption/Demand Features/ Partial Payments ect., and the Escrow account information is not filled out. Page 5 has incorrect/missing Loan Calculations and is missing the Lender Contact information. Finding Upheld - XXXX<br>The CD provided discloses inaccurate and/or missing information on pages 4 and 5 - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | Missing Prepayment Rider | The Prepayment Fee Addendum to Note is in file, but the Prepayment Addendum is missing. <br>|  | Document Uploaded. Please see both pages of the Prepayment Penalty Rider. Please clear. Thank you. - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Corporation/LLC: Operating Agreement Doc is Incomplete | The Corporation/LLC: Operating Agreement in file is incomplete. The signature page for XXXX, LLC is missing from the loan file. <br>|  | Document Uploaded. Please find the certification and Certificate of Authorization. Please clear the condition. Thank you. - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Bwr1 Income - Business Bank Statements Less than 12 Months | The loan file did not contain 12 months of the borrower's business bank statements as required. Missing XXXX bank statement for XXXX account XXXX - all pages. <br>|  | Document Uploaded. Attached. - XXXX<br>| XXXX statement received with no issues noted. Income remains in tolerance. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | Missing Initial TIL | Initial TIL (Truth in Lending) is missing. Unable to locate the initial CD in the loan file. <br>|  | This is a DSCR loan, no CD is required. - XXXX<br>| explanation meet requirements - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Per the guidelines, a XXXX CDA or like product is required for the DSCR program, the file contains a CU and LCA, both have a score of 1. Exception approval is in the loan file. <br>|  |  |  | Compensating factors-Housing history 0x30x24. Both CU and LCA have the best possible rating of 1. Borrower has 50 years of credit depth with no late payments ever for any trade line including 7 mortgages with no late payments. Borrower is an experienced real estate investor with a history of owning and managing multiple NOO properties.  | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. Per the guidelines, the minimum loan amount is $XXXX, the subject loan amount is $XXXX. No exception in file. <br>|  | Document Uploaded. Exception review form is attached. - XXXX<br>| Per guidelines-Minimum loan amount $XXXX. Loan amount $XXXX. A formal exception is in file. - XXXX | Compensating factors-Borrower has 50 years of credit depth with no late payments ever for any trade line including 7 mortgages with no late payments. Borrower is an experienced real estate investor with a history of owning and managing multiple NOO properties. | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | XXXX | 4350116474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. Missing a complete copy of the Mortgage. Some of the pages are missing or have been cutoff. <br>|  | Document Uploaded. Please find the attached mortgage with all pages. Thank you. - XXXX<br>| Received complete copy of Mortgage with all Riders. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is basis. Copy of appraisal has as-is and subj to completion dated same day in file. <br>|  | Document Uploaded. The appraisal that was noted as "subject too" removal of basement stove and cap line. Please see page 9 (uploaded) of the 'as is' appraisal. The appraiser indicated: Please see Certificate of Occupancy" indicating basement stove is permitted. Please see the Certificate of Occupancy. Please clear. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. Provide copy of emd check to verify check # is XXXX as listed on XXXX Bank Statement <br>|  | Document Uploaded. Please find attached earnest money deposit. The bank statement is in file where cleared. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements missing from the file. Provide missing XXXX XXXX Bank Statement to verify deposit is $XXXX with no ineligible deposits and NO NSF as used in bank statement qualification <br>|  | Document Uploaded. - XXXX <br> Please find attached XXXX bank statement. Please clear. thank you. XXXX - XXXX | documentation meet requirements - XXXX<br>Borrower 1 Business Bank Statements Provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | The Note is Incomplete | The Note is incomplete. Final note is not signed <br>|  | Document Uploaded. Please find attached the executed note. Please clear. Thank you. - XXXX<br>| The Note is Present - XXXX<br>Received signed note. Finding resolved - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. <br>|  | Document Uploaded. Please find the executed deed of trust. Please clear. Thank you. - XXXX<br>| Received completed DOT. Finding resolved - XXXX<br>The Deed of Trust has been provided. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Borrower 2 total years employment verified is less than 24 months. A minimum two (2) year employment history is required to be documented on the loan application (1003). Final 1003 has start date XXXX, but WVOE & VVOE start date XXXX, 2 full yrs not met. <br>|  | Document Uploaded. Hello, Please find attached the updated the 1003. The prior employment is noted. There is a W2 in file that supports the former employment. Please accept. Thank you. XXXX - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Missing letter of explanation | Unable to locate a letter of explanation in regard to the current living situation. Per the application borrower is living rent free but there is no documentation in the file to support this. <br>|  | Document Uploaded. Please see the attached rent free LOE - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The borrower's primary address as XXXX. The mortgage payment for the property is $XXXX. This mortgage is not shown on the credit report and there is other documentation in the file for this property at XXXX. The 1008 states that borrower does not have 12 months verifiable housing. There is no exception in the file. <br>|  | Document Uploaded. Exception review form is attached. - XXXX<br>| Per guidelines-12 mos house history required. Housing history does not meet guideline requirements. A formal exception is in file. - XXXX<br>| Compensating factors-Borrower has $XXXX in monthly residual income after both mortgage payments and all monthly borrower liabilities are paid. 681 mid FICO VS 660 required. Nine years in current line of work. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Credit | Missing letter of explanation | Unable to determine the borrower's primary residence address. The final loan application shows that the current address is XXXX as being rented for $XXXX. But in the properties owned section it shows that the primary address is XXXX and has a mortgage payment of $XXXX. Unable to locate anything on either of these properties. Need explanation in regards to the borrowers primary address and any documentation to support the monthly payments.  |  | Document Uploaded. Attached are the CD and Note for XXXX, 1. The borrower is currently living rent free and the letter from the property management company is attached. - XXXX | documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate 3rd party valuation product. <br>|  | Document Uploaded. Please see attached document uploaded again. This is the CDA. Please clear. Thank you! - XXXX <br>Document Uploaded. Please find the CDA. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br>No document attached - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Unable to locate the loss of use coverage for the subject property. Per the guidelines, 6 months rent loss insurance is required. <br>|  | Document Uploaded. Please see attached certification. The policy does reference rent loss insurance for 12 months. Please clear the condition. Thank you. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Residual Income | The subject loan does not meet program parameters for residual income. The verified residual income does not meet residual income requirements per guidelines. The borrower's residual income is $XXXX. Per guidelines, the residual requirement is $XXXX. A formal exception is located in the loan file. <br>|  |  |  | LTV/CLTV is 5% or more below the maximum guideline requirement. Credit score is greater than 10 points above minimum requirement. DTI is less than 40%. Current primary home ownership is at least 24 years. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Bwr1 Income - Business Bank Statements Less than 12 Months | The loan file did not contain 12 months of the borrower's business bank statements as required. Missing the business bank statement dated XXXX for XXXX Bank XXXX. Unable to locate this bank statement in the file. <br>|  | Document Uploaded. Hello, please see attached XXXX statement. Thank you. - XXXX | Received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. Unable to locate a business narrative for XXXX. Please provide a completed and signed business narrative. <br>|  | Document Uploaded. Please find the attached business narrative. Thank you. - XXXX<br>| Received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. The borrower received a $XXXX gift.. Funds to close is $XXXX Guidelines require the borrower to contribute 10% of own funds ($XXXX). It appears the borrower only contributed $XXXX of own funds, which does not meet guidelines. Please verify the borrower contributed 10% of own funds or provide a formal exception. <br>|  | Document Uploaded. Please see attached exception approval. Thank you. - XXXX<br>| The borrower contributed $XXXX of own funds, but guidelines require a borrower's contribution to be a minimum of 10% ($XXXX) when receiving a gift. A formal exception has been provided. - XXXX | Loan approved based on credit score of 715 is 10 points > minimum required of 680, residual income of $XXXX is more than 1.5 time the amount required of $XXXX, self-employed for 7 years . 5 years, DTI is 19% which is less than the maximum DTI of 50%. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the 2nd mortgage documentation for the borrower's primary residence at XXXX <br>|  | Document Uploaded. Please find attached the final CD for the 2nd lien/XXXX for property at XXXX. Please clear. Thank you. - XXXX | Received final CD for home equity second mortgage secured against primary residence, which showed $XXXX proceeds to borrower. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Asset 2 Missing | Unable to locate the documentation to support the $XXXX from the proceeds from sale and what the property address was. Asset documentation is missing from the file. <br>|  | Please see the asset breakdown and CD for the property. Please clear. Thank you. - XXXX <br>Document Uploaded. - XXXX<br>| duplicate - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. Subject property is located in a rural area. Rural area properties are not allowed per the guidelines. A formal exception is located in the loan file. <br>|  |  |  | Credit score greater than 10 points above minimum requirement. DSCR of 1.717 is greater than the guideline requirement of 1.25%. Reserves of 471 mos is greater than the guideline requirement of 3 months. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. The loan officer name is a possible match to a name on the Federal Housing Finance Agency Suspended Counterparty Program list. Documentation to clear is missing from the loan file. <br>|  | Document Uploaded. Please see the Federal Housing List whereby the loan officer is not noted. Also, please see the screen shot where the XXXX alert was cleared. Please accept and clear. Thank you. - XXXX <br> Document Uploaded. I went to the XXXX webiste and input 50 (the most amount). This is the list that was generated in the XXXX website. The lo's name is not noted on the list. Please clear the condition. Thank you. - XXXX |  |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Per the guidelines, for properties owned less than 12 months the maximum LTV for the transaction is based on the lesser of the original purchase price plus fully documented improvements, or the current appraised value. The borrower was gifted the subject property on XXXX, original owner purchased in XXXX and no proof of improvements was provided. Exception approval in file for the use of current appraised value. <br>|  |  |  | Compensating factors listed as DTI 35%, Reserves 24 months (cash out proceeds), and 769 Fico. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Property Issue - Ineligible Property | The subject is an ineligible property and not allowed per guidelines. The guidelines do not permit unpermitted additions. However, according to the appraisal report, there are unpermitted storage areas (used as living space), one bedroom, one bathroom, and an additional living area that was converted from the garage. Exception approval in the file. <br>|  |  |  | Compensating factors listed as DTI 35%, Reserves 24 months (cash out proceeds), and 769 Fico. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350116493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. Unable to locate the final settlement statement for the purchase of XXXX to verify the required funds to close that transaction; 1008 indicates the required funds were $XXXX. Please provide the final settlement statement. <br>|  | Document Uploaded. Please find the final CD for the purchase of the property at XXXX. Please accept. Thank you - XXXX | Received the final CD. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Per guidelines, a gap credit report is required, disclosing that there is no new debt. This documentation is missing from the loan file. <br>|  | Per guidelines we don't need GAP report if it's an investment transaction; we deal this transaction as DSCR since we have business purpose disclosure. <br> - XXXX<br>|  |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Condo - Documentation | The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review). The condo questionnaire is missing from the loan file and whether the condo is warrantable or not. <br>|  | Document Uploaded. HOA docs are attached. - XXXX<br>| Condo questionnaire has been received. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. <br>|  | Document Uploaded. RCI IS ATTACHED. - XXXX<br>| Received RCI that meets replacement cost to rebuild - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Credit | Missing Property Tax Cert | Missing property tax cert. Provide tax cert <br>|  | Document Uploaded. attached - XXXX<br>| property tax cert provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | TRID: CD not delivered at least 3 days prior to consummation | Receipt of initial CD by non borrowing title holder XXXX XXXX is not evidenced in the loan file. <br>|  | Document Uploaded. Attached. - XXXX<br>| Received signed initial CD. Finding resolved - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Credit | HO6 Master Insurance Policy is Missing | Missing Condo / PUD project master insurance policy. Missing HO6 insurance. <br>|  | Document Uploaded. Please see attached - XXXX<br>| Received confirmation that the HOA development insurance includes H06 coverage. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |

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## Exhibit 99.18

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.18**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Client |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Mapped ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116385 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A |
| XXXX | XXXX | 4350116386 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116387 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| XXXX | XXXX | 4350116390 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116393 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | XXXX | 4350116394 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 1 | 1 | 4 | 1 | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116399 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116401 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116407 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116408 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116409 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116411 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116412 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A |
| XXXX | XXXX | 4350116417 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116419 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116420 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116422 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116423 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| XXXX | XXXX | 4350116425 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116426 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116427 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116432 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116435 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116436 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116437 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116441 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A |
| XXXX | XXXX | 4350116444 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | XXXX | 4350116445 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116446 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116454 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116457 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116461 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A |
| XXXX | XXXX | 4350116463 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116466 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116467 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 2 | 2 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | XXXX | XXXX | 4 | 2 | 3 | 2 | 4 | 1 | 2 | 2 | D | B | C | B | D | A | B | B | D | B | C | B | D | A | B | B | D | B | C | B | D | A | B | B | D | B | C | B | D | A | B | B | D | B | C | B | D | A | B | B |
| XXXX | XXXX | 4350116474 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A |
| XXXX | XXXX | 4350116475 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A |
| XXXX | XXXX | 4350116478 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116485 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 2 | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B |
| XXXX | XXXX | 4350116493 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116494 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116498 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116499 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |

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## Exhibit 99.19

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.19**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| XXXX | XXXX | 4350116386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.14 | 74.14 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.0172 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.27 | 74.27 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.95 | 62.95 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.94 | 48.94 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.94 | 44.94 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.1236 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.14 | 69.14 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 66.23 | 66.23 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.18 | 24.18 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 40 | 40 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 43.08 | 43.08 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.56 | 51.56 | XXXX | XXXX | 0.0438 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | 0.0438 | 91 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.87 | 44.87 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.31 | 67.31 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX | XXXX | 4350116409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.44 | 64.44 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.66 | 64.66 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350116423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.74 | 74.74 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.03 | 51.03 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.57 | 74.57 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.67 | 63.67 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.06 | 79.06 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.82 | 57.82 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350116445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.18 | 62.18 | XXXX | XXXX | 0.0444 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0444 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.94 | 64.94 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.9 | 69.9 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.48 | 43.48 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350116457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 51.12 | 51.12 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55 | 55 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350116463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.8 | 78.8 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0.0204 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0204 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 85 | 85 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.52 | 60.52 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.6 | 56.6 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.2 | 52.2 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 48.26 | 48.26 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 8.23 | 8.23 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 23.06 | 23.06 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 4350116493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350116498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 79.45 | 79.45 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |

---

## Exhibit 99.20

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | Amortization Term | 480 | 360 | note verified term 480 |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | Amortization Term | 480 | 360 | 480 months per note |
| XXXX | XXXX | 4350116495 | XXXX | XXXX | Amortization Term | 480 | 360 | Per Note loan is 40 years with a IO period of 120 months. |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | B1 Verified Citizenship Designation | Foreign National | Non Resident Alien | Verified borrower is a foreign national. |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | B1 Verified Citizenship Designation | Foreign National | Non Resident Alien | Verified |
| XXXX | XXXX | 4350116391 | XXXX | XXXX | B1 Verified Citizenship Designation | Foreign National | Non Resident Alien | FOREIGN NATIONAL DOES NOT RESIDE IN US |
| XXXX | XXXX | 4350116438 | XXXX | XXXX | B1 Verified Citizenship Designation | Foreign National | Non Resident Alien | Borrower is a foreign national |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | B2 Verified Citizenship Designation | Foreign National | Non Resident Alien | Verified |
| XXXX | XXXX | 4350116405 | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | USCitizen | Borrower is permanent resident from XXXX |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350116392 | XXXX | XXXX | Borrower 1 Self-Employment Flag | Yes | N | Borrower is self-employed |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | Borrower 2 Last Name | XXXX | XXXX | Verified Guarantor Name |
| XXXX | XXXX | 4350116384 | XXXX | XXXX | Calculated DSCR | 0.933 | 0.962435406 | Based on file documentation and in line with 1008. Within guidelines and tolerance. |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | Calculated DSCR | 1.017 | 1.07 | File contains 2 1007s - for $XXXX market rents. There are leases in the file for $XXXX. Guidelines allow no more than 125% of the market rent to be used to qualify = $XXXX. Result is slightly lower DSCR but still within guidelines. |
| XXXX | XXXX | 4350116403 | XXXX | XXXX | Calculated DSCR | 1.001 | 0 | Verified with approval..the DSCR is 0.989 |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | Calculated DSCR | 1.318 | 1.417 | Based on file documentation and in line with 1008 and underwriting. |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | Calculated DSCR | 1.081 | 0 | Per Loan Approval DSCR loan. Subject PITIA supported by Lender Loan Information addendum of loan application and 1007 market rents. |
| XXXX | XXXX | 4350116434 | XXXX | XXXX | Calculated DSCR | 1.073 | 1.088 | DSCR variance is due to property tax used per payment letter vs doc. |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | This is correct cash out per CD. |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Cash out amount taken from CD> |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per final Closing Disclosure. |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | CD CTC $XXXX TO BORROWER |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Actual cash out to final CD. |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | CD |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | This is actual cash out |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with Post Closing CD |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR |
| XXXX | XXXX | 4350116400 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans are exempt |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans do not require ATR |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Business Purpose/DSCR |
| XXXX | XXXX | 4350116421 | XXXX | XXXX | Final Reviewed QM Status | QM: Average Prime Offer Rate (APOR) | Non-QM: Lender documented all ATR UW factors | Verified via source documents |
| XXXX | XXXX | 4350116502 | XXXX | XXXX | Final Reviewed QM Status | QM: Average Prime Offer Rate (APOR) | Non-QM: Lender documented all ATR UW factors | Verified via source documents |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | Interest Only Flag | Yes | false | note verified IO |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | Interest Only Flag | Yes | No | interest only per note |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | Interest Rate | 7.25 | 6.875 | Verified with Note. |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | Interest Rate | 7.375 | 7.75 | Verified |
| XXXX | XXXX | 4350116433 | XXXX | XXXX | Interest Rate | 7.875 | 7.5 | Note reflects 7.875 |
| XXXX | XXXX | 4350116448 | XXXX | XXXX | Interest Rate | 6.875 | 7.49 | note verified int rate 6.875 |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | Interest Rate | 8.75 | 8.375 | Verified with Note |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | Interest Rate | 7.875 | 8.875 | Rate is 7.875 |
| XXXX | XXXX | 4350116465 | XXXX | XXXX | Interest Rate | 7.5 | 6.5 | note verified 7.5% |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | Interest Rate | 8.75 | 8.375 | Rate taken form note. |
| XXXX | XXXX | 4350116471 | XXXX | XXXX | Interest Rate | 7.75 | 8 | Rounding |
| XXXX | XXXX | 4350116472 | XXXX | XXXX | Interest Rate | 9.25 | 9.625 | per Note |
| XXXX | XXXX | 4350116473 | XXXX | XXXX | Interest Rate | 7.5 | 7.75 | per note confirmed 7.5% rate |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | Interest Rate | 7.375 | 7.5 | Actual ate is 7.375%. |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | Interest Rate | 8.5 | 8.625 | Verified per note interest rate is 8.5% |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | Interest Rate | 7.625 | 7.5 | 7.625% PER NOTE |
| XXXX | XXXX | 4350116501 | XXXX | XXXX | Interest Rate | 9.625 | 9.75 | Verified 9.625% |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Verified loan amount changed during underwriting to $XXXX |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Loan Amount | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Loan amount obtained on the Note. |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per Note |
| XXXX | XXXX | 4350116447 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified with program and Loan Approval |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified with approval |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified with loan approval |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR loan. |
| XXXX | XXXX | 4350116460 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified with loan approval |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | Loan Type | DSCR | Conventional | loan is DSCR |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR |
| XXXX | XXXX | 4350116470 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR per approval |
| XXXX | XXXX | 4350116481 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan was done as a DSCR loan. |
| XXXX | XXXX | 4350116483 | XXXX | XXXX | Loan Type | DSCR | Conventional | Per loan approval |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified |
| XXXX | XXXX | 4350116489 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR Loan |
| XXXX | XXXX | 4350116500 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR |
| XXXX | XXXX | 4350116450 | XXXX | XXXX | Originator DSCR | 1.102 | 1.326 | per 1008 true data validated |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | Originator DSCR | 1.242 | 2.127 | Per lock and 1008 origination DSCR was 1.242 matching audited DSCR. |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | Originator DSCR | 0.974 | 1 | verified with approval |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | Originator DSCR | 1.25 | 1.091 | Audited DSCR is 1.05 and originaiton is 1.09. This is within tolerance. |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | Originator DSCR | 1.164 | 1.88 | Per 1008 the DSCR is 1.16 |
| XXXX | XXXX | 4350116497 | XXXX | XXXX | Originator DSCR | 0.947 | 1.074 | DSCR at origination was .94 per approval. |
| XXXX | XXXX | 4350116404 | XXXX | XXXX | Prepayment Penalty Calculation | 5% | Y | Per the Note |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | Prepayment Penalty Calculation | 5% | N | Verified |
| XXXX | XXXX | 4350116439 | XXXX | XXXX | Primary Appraised Property Value | XXXX | XXXX | Variance due to 1004 appraisal value of $XXXX, supported by XXXX SSR. |
| XXXX | XXXX | 4350116431 | XXXX | XXXX | Property Address | XXXX | XXXX | Per title commitment |
| XXXX | XXXX | 4350116386 | XXXX | XXXX | Property Type | Condotel | Condominium | Verified with appraisal |
| XXXX | XXXX | 4350116395 | XXXX | XXXX | Property Type | PUD | Detached | Verified with appraisal |
| XXXX | XXXX | 4350116402 | XXXX | XXXX | Property Type | Two to Four Unit | Detached | Verified |
| XXXX | XXXX | 4350116414 | XXXX | XXXX | Property Type | Two to Four Unit | Detached | per appraisal |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Property Type | PUD | Single Family Detached | Verified |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350116458 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | XXXX is correct zipcode |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | Qualifying CLTV | 51.03 | 51.47 | Per Note and CDA: $XXXX principal balance/$XXXX CDA Value = 51.03%. |
| XXXX | XXXX | 4350116424 | XXXX | XXXX | Qualifying FICO | 717 | 809 | Verified mid score of Primary borrower (also highest wage earner) |
| XXXX | XXXX | 4350116432 | XXXX | XXXX | Qualifying FICO | 714 | 754 | Confirmed credit score is 714 |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | Qualifying FICO | 762 | 742 | Verified |
| XXXX | XXXX | 4350116455 | XXXX | XXXX | Qualifying FICO | 752 | 751 | Verified with credit report, matches Loan Approval |
| XXXX | XXXX | 4350116428 | XXXX | XXXX | Qualifying LTV | 51.03 | 51.47 | Per Note and CDA: $XXXX principal balance/$XXXX CDA Value = 51.03%. |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Qualifying LTV | 78.8 | 78.43 | verified with approval/appraisal |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | Qualifying LTV | 8.23 | 8.33 | Actual LTV. |
| XXXX | XXXX | 4350116440 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 43.41 | 0.37 | Per Approval and Clear to Close - page 526- approved with DTI max 43%. DTI variance from lender 36.64%/ Tape 37% vs. Audited 42.47% due to SSI income variance $XXXX vs Audited $XXXX and Primary TIA significant variance originator $XXXX vs Audited $XXXX. However, still within guidelines. |
| XXXX | XXXX | 4350116453 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 28.93 | 20.79 | Fiding has been added. |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 15.96 | 15.32 | liabilities miscalculation |
| XXXX | XXXX | 4350116479 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 46.08 | 42.51 | In line with the documentation in the file and the final 1008 |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 38.57 | 42.85 | DTI is 38.57 per 1008 |
| XXXX | XXXX | 4350116488 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 42.6 | 49 | Auditor DTI based on income of $XXXX with debt total $XXXX. The DTI is 42.60%. Originator DTI is 49.75%. The 1008 does not appear to be calculated properly. originator to clarify and document the final DTI. |
| XXXX | XXXX | 4350116492 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 34.24 | 34.05 | verified, matches 1009 |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 30.22 | 34.39 | Verified per approval in the file that the DTI is 30.22% |
| XXXX | XXXX | 4350116449 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 23 | 6 | verified with assets in file |
| XXXX | XXXX | 4350116452 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 2.62 | 12 | Verified |
| XXXX | XXXX | 4350116456 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 56.84 | 12 | This is the actual reserves the borrower has. |
| XXXX | XXXX | 4350116459 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 8.02 | 12 | Verified 8.02 months of reserves |
| XXXX | XXXX | 4350116462 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 56.01 | 12 | verified with assets in file. |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 4.55 | 18 | Verified |
| XXXX | XXXX | 4350116468 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 22.04 | 6 | Actual reserves are listed. |
| XXXX | XXXX | 4350116482 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 115.39 | 3 | Actual reserves are reflected. |
| XXXX | XXXX | 4350116484 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 9.08 | 12 | Verified |
| XXXX | XXXX | 4350116486 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 35.83 | 12 | Actual reserve s reflected. |
| XXXX | XXXX | 4350116490 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 41.08 | 12 | Verified assets |
| XXXX | XXXX | 4350116491 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 538.17 | 471 | verified with assets in file |
| XXXX | XXXX | 4350116496 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 8.66 | 6 | Verified assets. 6 months reserves are required. 8.66 months are verified |
| XXXX | XXXX | 4350116410 | XXXX | XXXX | Reviewed Appraised Property Value | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350116413 | XXXX | XXXX | Reviewed Appraised Property Value | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350116415 | XXXX | XXXX | Reviewed Appraised Property Value | XXXX | XXXX | Per 1004 appraisal report, supported by sales price per final Alta Settlement Statement |
| XXXX | XXXX | 4350116464 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350116388 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio | Lone Star Funds DSCR Investment | Verified |
| XXXX | XXXX | 4350116389 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio |  | Verified |
| XXXX | XXXX | 4350116398 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio | Other | DSCR |
| XXXX | XXXX | 4350116416 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio | Other | No income for DSCR |
| XXXX | XXXX | 4350116418 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio | Other | DSCR per loan program |
| XXXX | XXXX | 4350116442 | XXXX | XXXX | Verified Doc Type | 1YR Business P&L |  | Per Loan Approval |

---

## Exhibit 99.21

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.21**

COLT 2025-9<br>Lone Star Residential Acquisitions, LLC.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| www.opuscmc.com \| 224.632.1300

**Executive Narrative**

**August 14, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

The report summarizes the results of a due diligence review performed on a pool of 32 loans, of which were purchased by Lone Star Residential Acquisitions, LLC. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains nineteen (19) Non-QM loans and thirteen (13) ATR/Non-QM Exempt loans, of which ten (10) are DSCR loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as
specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable.
If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used
by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan
underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan
for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the
appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented
and reasonable.

**Document Review**

**Document Review**<br>

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

* Title Commitment / Policy: Verify the presence
of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

* Mortgage Note / Security Instrument: Verify
the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders,
addendums and endorsement are present and duly executed.

* Mortgage / Deed of Trust: Verify the presence
of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums
and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of
a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within
12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a
report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document
stating the date the document was sent for recording.

* Conveyance Deed: Verify as applicable that
a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed
on the deed.<br>

**b) Closing Docs**

* Final Hud-1 Settlement Statement: If
required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon
state compliance requirements.

* Final Truth-in-Lending Disclosure: If
required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures
are present.

* Notice of Right to Cancel: If required
based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

* Loan Estimate: If required verify the
presence of the current Loan Estimate (LE) at the time of origination

* Closing Disclosure: If required verify
the presence of the current Closing Disclosure (CD) at the time of origination.<br>

**c) Credit Docs<br>** 

<br> * Loan Application: Verify the presence
and completeness of both the initial and final loan applications.

* Underwriting Worksheet: Verify the presence
of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

* Credit Report: Verify the presence of
a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided
underwriting guidelines.

* Housing Payment History: In the absence
of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification
of mortgage form.

* Letters of Explanation: When Letters
of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan
file.

* Gift Letters: When Gift Letters are
required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

* Income Documentation: Verify the presence
of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

* Asset Documentation: Verify the presence
of asset documentation required by the Client provided underwriting guidelines in the loan file.

* Property Valuation Tools: Verify that
each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the
relative Client provided underwriting guidelines.

* Proof of Insurance: Verify the presence
of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm
that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material" <sup>1</sup> disclosure
 requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the
 Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C.
 § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including
 the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R.
 §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure
 Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§
 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID")
 Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time
 to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the
rescission requirement but on which a Notice of Right to Cancel was provided.

------

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance
 with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"),
12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed
in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6),
Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file,
per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to
Home Loan Applicant;

5. 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: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages 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.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The
requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation
Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall
review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited
to a business purpose certification.

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if
applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or
initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if
applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on
the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file
may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing
Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable
referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee
is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets

the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July
1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted
under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied
(i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency
eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only
will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the
loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation
at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer<br>** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions<br>** 

<br> Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to
10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business
days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/
Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general business days of "Application"
(Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time
of application if borrower(s) will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

* Confirm the lender has provided the borrower a
disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may
be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

* Confirm that the lender has provided (delivered)
copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan
File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation
processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

* For a borrower that has waived the 3-business
day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation
or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm
that the lender has provided copies

of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

* Confirm that the lender has provided the borrower
the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)),
as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation,
but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure,
confirm the disclosure was provided before consummation.

* Confirm that the lender has provided a copy of
the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. §
23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code
§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin.
Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act,
Colo, Rev. Stat. § 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn.
Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat.
§§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official
Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078
et seq. (for loans closed before July 1, 2014).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code §
26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin.
Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003)
codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691
(SB 1167).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance,
Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program,
Illinois House Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan.
Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. §
360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation
to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A,
as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans
closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§
12-124.1; 12-127; 12- 409.1; 12-1029.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts
32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter
183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard,
M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940
CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans,
209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L.
Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act,
Mich. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act,
§ 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act,
Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284
(2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat.
Ann. § C:46:10B-22 et
seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular
Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41
(2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan
Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law §
6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by
Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance,
Ordinance No.
72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance
No. 2004- 618,
Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574
(2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons.
Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode
Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking
Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending
Ordinance, Chapter 2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006),
as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas
High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code
Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by
Regulation B-98-2.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender,
Broker and Servicer Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis.
Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial
or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured
by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate
is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or
other group as a common expense.

**Misrepresentation and Third-Party Review** **<br>** 

<br> Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

* Signatures: Validate signature consistency across
documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency
of signatures across documents.

* Alerts: Assess credit report alerts for accuracy
and potential issues.

* Social Security Numbers: Compare SSN(s) across
all file documents.

* Document Integrity: Review for apparent alterations
to loan documents. To the extent imaged or hard copy files are

* provided, Consultant will utilize reasonable review of alterations to the loan documents.

* Data Consistency: Review the documents contained
in the loan file for consistency of data.

* Third Party Fraud Tools: To the extent a third
party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.<br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

* Property is complete

* Value is based on as-is condition or provides
satisfactory completion of all material conditions including inspections, licenses, and certifications (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.

* Property is described in average or better condition

* No apparent appraiser independence violation statements

* Appraisal addresses any adverse comments

* Appraisal is completed on appropriate GSE Forms

* Appraisal contains required attachments.

* Appraiser was appropriately licensed at the time
the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

* The individuals performing the above procedures
are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP")
or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews
for the purposes of USPAP or Federal or State law.

* Opus makes no representation or warranty as to
the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

* Opus is not an Appraisal Management Company ("AMC")
and therefore does not opine on the actual value of the underlying property.

* Opus is not a creditor within the meaning of the
Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications
with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

* No apparent damage to the property

* Property appears to be occupied

**Data Compare** **<br>** 

<br> Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria** **<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** **<br>** 

<br> 1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> * Level 1 Credit Grade Definition: Loan was originated
in accordance with the mortgage loan originator underwriting guidelines without exception.

* Level 2 Credit Grade Definition: Loan was originated
in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

* Level 3 Credit Grade Definition: Loan was not
originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for
the exceptions or is missing material documentation.<br>

**Opus Property Grades<br>** 

<br> * Level 1 Property Grade Definition: Property value
appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

* Level 2 Property Grade Definition: Property value
appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

* Level 3 Property Grade Definition: Property value
does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process
or the file is missing material documentation.<br>

**Opus Compliance Grades**<br>

* Level 1 Compliance Grade Definition: Loan complies
with all applicable laws and regulations reviewed under the applicable scope of work.

* Level 2 Compliance Grade Definition: There are
minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's
obligation under the loan documents and will not result in assignee liability to the investor.

* Level 3 Compliance Grade Definition: Loan is not
in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION** **<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City,
County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the
location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

* **Borrower Liquidity:** Review and confirm
borrower's liquidity position adheres to Underwriting Guidelines.

* **Credit / Background Check:** Review and confirm
each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

* **Property management questionnaire:** Review
the questionnaire to confirm management experience meets Underwriting

* Guidelines.

* **Borrowing Entity:** Confirm the entity is
in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization
has the authority to bind the entity (if applicable documents are in the file).

* **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

* **Permitted Loan Terms:** Confirm the loan
terms are eligible per the Underwriting Guidelines.

* **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

* **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

* **Condominium Eligibility:** Confirm Condo Master
Policy is present and meets the Underwriting Guidelines

* **Property Insurance:** Confirm each mortgaged
property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

* **Preliminary/Commitment Title:** Review and confirm
first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

 

* Loan Application: Verify the presence and completeness
of both the initial and final loan applications.

* Credit Report: Verify the presence of a credit report
for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

* Housing Payment History: In the absence of housing
payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of
mortgage form.

* Letters of Explanation: When Letters of Explanation
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

* Gift Letters: When Gift Letters are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

* Asset Documentation: Verify the presence of asset
documentation required by the Client provided underwriting guidelines in the loan file.

* Property Valuation Tools: Verify that each loan file
contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client
provided underwriting guidelines.

* Proof of Insurance: Verify the presence of insurance
certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Borrower 1 Last Name | 1 | 96.88% |
| Property Type | 4 | 87.50% |
| Property Value | 1 | 96.88% |
| Qualifying Total Debt Income Ratio | 9 | 71.88% |
| **Total Loan Population** | **32** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated Augurst 12, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 23 | 71.88% |
| B | 9 | 28.13% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 32 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 27 | 84.38% |
| B | 5 | 15.63% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 28 | 87.50% |
| B | 4 | 12.50% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (32)</u>**

---

| | | | |
|:---|:---|:---|:---|
| 4350116516 | 4350116520 | 4350116505 | 4350116528 |
| 4350116515 | 4350116522 | 4350116504 | 4350116531 |
| 4350116512 | 4350116521 | 4350116510 | 4350116526 |
| 4350116513 | 4350116524 | 4350116511 | 4350116529 |
| 4350116518 | 4350116523 | 4350116508 | 4350116530 |
| 4350116514 | 4350116527 | 4350116507 | 4350116532 |
| 4350116517 | 4350116503 | 4350116509 | 4350116533 |
| 4350116519 | 4350116506 | 4350116525 | 4350116534 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.22

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350116503 |  |  | XXXX A |
| XXXX | 4350116504 |  |  | XXXX A C |
| XXXX | 4350116505 |  |  | XXXX A |
| XXXX | 4350116506 |  |  | XXXX A |
| XXXX | 4350116507 |  |  | XXXX A |
| XXXX | 4350116508 |  |  | XXXX A B |
| XXXX | 4350116509 |  |  | XXXX A |
| XXXX | 4350116510 |  |  | XXXX A |
| XXXX | 4350116511 |  |  | XXXX C A B |
| XXXX | 4350116512 |  |  | XXXX A |
| XXXX | 4350116513 |  |  | XXXX C A B |
| XXXX | 4350116514 |  |  | XXXX D C A B |
| XXXX | 4350116515 |  |  | XXXX D C A |
| XXXX | 4350116516 |  |  | XXXX A |
| XXXX | 4350116517 |  |  | XXXX D A |
| XXXX | 4350116518 |  |  | XXXX A |
| XXXX | 4350116519 |  |  | XXXX D C A |
| XXXX | 4350116520 |  |  | XXXX A |
| XXXX | 4350116521 |  |  | XXXX C A B |
| XXXX | 4350116522 |  |  | XXXX A |
| XXXX | 4350116523 |  |  | XXXX B A |
| XXXX | 4350116524 |  |  | XXXX C A B |
| XXXX | 4350116525 |  |  | XXXX A |
| XXXX | 4350116526 |  |  | XXXX A C |
| XXXX | 4350116527 |  |  | XXXX A |
| XXXX | 4350116528 |  |  | XXXX D A |
| XXXX | 4350116529 |  |  | XXXX A B |
| XXXX | 4350116530 |  |  | XXXX A |
| XXXX | 4350116531 |  |  | XXXX A |
| XXXX | 4350116532 |  |  | XXXX A |
| XXXX | 4350116533 |  |  | XXXX A B |
| XXXX | 4350116534 |  |  | XXXX A B |

---

## Exhibit 99.23

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4350116503 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 64.52 | 64.52 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 |
| XXXX | 4350116504 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 |
| XXXX | 4350116505 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116506 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116507 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116508 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116509 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116510 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 73.1 | 73.1 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 |
| XXXX | 4350116511 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 38.46 | 38.46 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.0127 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116512 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116513 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 57.98 | 57.98 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 |
| XXXX | 4350116514 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4 |
| XXXX | 4350116515 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116516 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116517 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116518 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 |
| XXXX | 4350116519 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116520 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116521 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 |
| XXXX | 4350116522 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116523 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116524 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 69.77 | 69.77 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.0233 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116525 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 |
| XXXX | 4350116526 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 73.8 | 73.8 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116527 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 60 | 60 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0667 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116528 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 36.27 | 36.27 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350116529 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.9 |
| XXXX | 4350116530 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 60 | 60 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 |
| XXXX | 4350116531 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350116532 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 65 | 65 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 |
| XXXX | 4350116533 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 65 | 65 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 |
| XXXX | 4350116534 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.5 |

---

## Exhibit 99.24

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.24**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350116534 | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Audit value updated as per Note |
| XXXX | 4350116506 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value pulled from Appraisal |
| XXXX | 4350116511 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Note. |
| XXXX | 4350116512 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350116519 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 4350116531 | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| XXXX | 4350116510 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.87 | 37.01 | Audit reflects difference in qualifying P & I than the approval. |
| XXXX | 4350116513 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.48 | 27.54 | Audit liabilities were based on documents in the loan file. |
| XXXX | 4350116514 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.35 | 24.63 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | 4350116515 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.4 | 23.46 | Audit liabilities were based on documents in the loan file. |
| XXXX | 4350116516 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.97 | 34.00 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX. |
| XXXX | 4350116519 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.37 | 34.67 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXX | 4350116529 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.06 | 7.92 | Audit liabilities were based on documents in the loan file.  |
| XXXX | 4350116531 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.01 | 37.99 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX.  |
| XXXX | 4350116533 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.77 | 32.18 | Audit DTI difference is due to liabilities based on documents in loan file.  |

---

## Exhibit 99.25

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.25**

---

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| **Seller** | **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 4350116504 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX<br>| XXXX Esignature.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116508 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX |  | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX PCCD .pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116511 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | LTV 38.46% -26.54%<65% Max<br> $XXXX Post close reserves (680 months)<br> DSCR 1.04 vs Min .75 | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XXXX<br>| Appraisal delviered to borrower XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX<br>| XXXX COC CD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX<br>| XXXX COC CD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX COC CD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXXX). The actual total fee amount shows a credit amount of ($XXXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX COC CD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116513 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Property type is ineligible due to Over 20 acres. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | LTV 58%, 27<85%<br> Residual $XXXX, XXXX>XXXX Min<br> DTI 29%, 21%<50% Max | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116514 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Taxes are listed on the property profile, it is vacant land so no HOI required - Buyer-XXXX <br>Open-Evidence of property taxes for property 3e on the final application not provided. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX, XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116514 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. taxes are list on the property profile, vacant land so no HOI - Buyer-XXXX <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Tax document is missing for REO 3e - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX<br>| XXXX, XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116514 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Ready for Review-please waive - Buyer-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350116515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Documentation uploaded. Commercial property listed in error on final 1003. - Due Diligence Vendor-XXXX <br> Open-Missing verification of insurance for REO 3c on Final 1003: 966. Missing verification of insurance and HOA dues for REO 3b on Final 1003: 966. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| Property Profile.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements The file is missing Hazard insurance for REO 3b on the final 1003. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX<br>| Property Profile.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Hazard insurance for REO 3b on the final 1003. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX<br>| Property Profile.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116517 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The Note is Incomplete Note provided for review is a 30 Year Fixed Rate Note, however the monthly payment appears to be an interest only payment. Other documentation in the loan file indicates the loan has an interest only period. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX .pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116519 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Flood Certificate - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX - Flood Cert.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116519 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). E-Consent documentation on TRID loan is missing for borrower. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX<br>| econsent-XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116521 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited FICO of 686 is less than Guideline FICO of 700 - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | DSCR 1.1171%, .1171%> Min<br> Reserves 16 mos, 14>2 mo Min<br> Housing 0x30x30 months<br> FICO 686, 26 pts>660 Min | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116523 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Rental history does not satisfy guidelines | Waived-As per lender guidelines, income derived from short-term rental use is not eligible. However, documentation in the file indicates that short-term rental income was considered. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-XXXX |  | Waived-As per lender guidelines, income derived from short-term rental use is not eligible. However, documentation in the file indicates that short-term rental income was considered. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-XXXX<br>|  |  | 761 FICO<br> DSCR 2.8<br> 12 months reserves<br> 5 mtgs 0x30x79 | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require when a borrowers rent/mortgage history is not report on the credit report an institutional VOM/VOR must be provided, or a non-institutional VOM/VOR with 12 months cancelled checks or bank statements. The file is missing verification of the past 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX<br>| Exception.pdf |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116524 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited HLTV of 69.77% exceeds Guideline HCLTV of 65% - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | DTI 4.75% < 50% Max<br> Residual Income $XXXX vs No Minimum required<br> Mortgage History 0x30x47 | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116524 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited LTV of 69.77% exceeds Guideline LTV of 65% - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | DTI 4.75% < 50% Max<br> Residual Income $XXXX vs No Minimum required<br> Mortgage History 0x30x47 | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116524 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited CLTV of 69.77% exceeds Guideline CLTV of 65% - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| Exception.pdf<br>Exception.pdf |  | DTI 4.75% < 50% Max<br> Residual Income $XXXX vs No Minimum required<br> Mortgage History 0x30x47 | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116524 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require when a borrowers rent/mortgage history is not report on the credit report an institutional VOM/VOR must be provided, or a non-institutional VOM/VOR with 12 months cancelled checks or bank statements. The file is missing verification of the past 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| Exception.pdf |  | DTI 4.75% < 50% max<br> Residual Income $673,675.59 vs No Minimum required<br> Mortgage History - 0x30x47 | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350116526 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| Signed ICD XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116528 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The final HUD/Settlement Statement is missing. The HUD-1 Settlement Statement is not legible. - Due Diligence Vendor-XXXX |  | Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX EXECUTED HUD.pdf |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350116529 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Ready for Review-Please waive - Buyer-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Second Home | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350116533 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Ready for Review-Please waive this finding - Buyer-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350116534 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  |  |  |  |  | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |

---

## Exhibit 99.26

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.26**

![](selene.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Lone Star Residential Acquisitions, LLC ("Client"). The review was conducted between February 2025 and August 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 58 Non-QM loans and 68 ATR/QM exempt loans for a total of 126 loans the "Final Securitization Population".

*<u>Credit Reviews (126):</u>*

During the Review, Selene performed a credit review on 126 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (126)</u>*

During the Review, Selene performed a compliance review, when applicable on 126 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (126):</u>*

During the Review, Selene performed a property valuation review on 126 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (126):</u>*

During the Review, Selene performed a Data Integrity Review on 126 mortgage loans in the Final Securitization

Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 126 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| **Review** | **Reviewed Total** | **% of Final Securitization Population** |
| Credit Population | 126 | 100% |
| Compliance Population | 126 | 100% |
| Valuation Population | 126 | 100% |
| Data Integrity Population | 126 | 100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") (the "NRSRO").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Advantage Guidelines, Northpointe Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines (collectively the "Guidelines")

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**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated LTV, CLTV, income, liabilities and compared these
against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
asset statements to determine whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that credit scores (FICO) and credit histories were
within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 126 mortgage loans, (ii) a Compliance Review on 126 mortgage loans (iii) a Valuation Review on 126 mortgage loans, and (iv) a Data Integrity Review on 126 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 126 mortgage loans; 79 mortgage loans had a rating grade of A, 47 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | ****<br> ***Grades per loan (126 overall loans):*** | ****<br> ***Grades per loan (126 overall loans):*** | ****<br> ***Grades per loan (126 overall loans):*** | |
| | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **S&P** | **%** | **S&P** | **%** |
| A | 24 | 19.05% A | 79 | 62.70% |
| B | 19 | 15.08% B | 47 | 37.30% |
| C | 24 | 19.05% C | 0 | 0.00% |
| D | 59 | 46.83% D | 0 | 0.00% |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| | | ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** |
| | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **S&P** | **%** | **S&P** | **%** |
| A | 124 | 98.41% A | 82 | 65.08% |
| B | 2 | 1.59% B | 44 | 34.92% |
| C | 0 | 0.00% C | 0 | 0.00% |
| D | 0 | 0.00% D | 0 | 0.00% |
|  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |
| **NRSRO Grade** | **S&P** | **%** |  |  |
| A | 118 | 93.65% |  |  |
| B | 8 | 6.35% |  |  |
| C | 0 | 0.00% |  |  |
| D | 0 | 0.00% |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain

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claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the
variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and
confirm that the variations have been addressed in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers'
address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been
addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers'
profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

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

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

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

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

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

Selene 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.

Selene 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

Page **12** of **16**

COLT 2025-9 Executive Summary (Selene Diligence LLC)

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **13** of **16**

COLT 2025-9 Executive Summary (Selene Diligence LLC)

**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

Page **14** of **16**

COLT 2025-9 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

Page **15** of **16**

COLT 2025-9 Executive Summary (Selene Diligence LLC)

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on

the actual value of the underlying property.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary
list.

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

COLT 2025-9 Executive Summary (Selene Diligence LLC)

## Exhibit 99.27

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350116535 | XXXX |  |  | XXXX C D A |
| 4350116536 | XXXX |  |  | XXXX D A |
| 4350116537 | XXXX |  |  | XXXX D A |
| 4350116538 | XXXX |  |  | XXXX D A |
| 4350116539 | XXXX |  |  | XXXX D A |
| 4350116540 | XXXX |  |  | XXXX C A B |
| 4350116541 | XXXX |  |  | XXXX B A |
| 4350116542 | XXXX |  |  | XXXX B A |
| 4350116543 | XXXX |  |  | XXXX C A |
| 4350116544 | XXXX |  |  | XXXX D A B |
| 4350116545 | XXXX |  |  | XXXX C A |
| 4350116546 | XXXX |  |  | XXXX B D A |
| 4350116547 | XXXX |  |  | XXXX C D A |
| 4350116548 | XXXX |  |  | XXXX D A |
| 4350116549 | XXXX |  |  | XXXX D A |
| 4350116550 | XXXX |  |  | XXXX D A B |
| 4350116551 | XXXX |  |  | XXXX A D |
| 4350116552 | XXXX |  |  | XXXX C D A B |
| 4350116553 | XXXX |  |  | XXXX A |
| 4350116554 | XXXX |  |  | XXXX B A |
| 4350116555 | XXXX |  |  | XXXX C A |
| 4350116556 | XXXX |  |  | XXXX C A |
| 4350116557 | XXXX |  |  | XXXX C A B |
| 4350116558 | XXXX |  |  | XXXX D A |
| 4350116559 | XXXX |  |  | XXXX C A |
| 4350116560 | XXXX |  |  | XXXX B A |
| 4350116561 | XXXX |  |  | XXXX D A |
| 4350116562 | XXXX |  |  | XXXX C A B |
| 4350116563 | XXXX |  |  | XXXX C A B |
| 4350116564 | XXXX |  |  | XXXX D B A |
| 4350116565 | XXXX |  |  | XXXX D A B |
| 4350116566 | XXXX |  |  | XXXX A |
| 4350116567 | XXXX |  |  | XXXX C A B |
| 4350116568 | XXXX |  |  | XXXX D A |
| 4350116569 | XXXX |  |  | XXXX A |
| 4350116570 | XXXX |  |  | XXXX A |
| 4350116571 | XXXX |  |  | XXXX D A |
| 4350116572 | XXXX |  |  | XXXX D A |
| 4350116573 | XXXX |  |  | XXXX A |
| 4350116574 | XXXX |  |  | XXXX B A |
| 4350116575 | XXXX |  |  | XXXX A |
| 4350116576 | XXXX |  |  | XXXX D A B |
| 4350116577 | XXXX |  |  | XXXX B A |
| 4350116578 | XXXX |  |  | XXXX A |
| 4350116579 | XXXX |  |  | XXXX A C |
| 4350116580 | XXXX |  |  | XXXX D C A |
| 4350116581 | XXXX |  |  | XXXX D A |
| 4350116582 | XXXX |  |  | XXXX B A |
| 4350116583 | XXXX |  |  | XXXX B A |
| 4350116584 | XXXX |  |  | XXXX A |
| 4350116585 | XXXX |  |  | XXXX D A B |
| 4350116586 | XXXX |  |  | XXXX D A B |
| 4350116587 | XXXX |  |  | XXXX C D A |
| 4350116588 | XXXX |  |  | XXXX D A B |
| 4350116589 | XXXX |  |  | XXXX D A |
| 4350116590 | XXXX |  |  | XXXX D A |
| 4350116591 | XXXX |  |  | XXXX D A B |
| 4350116592 | XXXX |  |  | XXXX B C A |
| 4350116593 | XXXX |  |  | XXXX C A |
| 4350116594 | XXXX |  |  | XXXX C A |
| 4350116595 | XXXX |  |  | XXXX D A B |
| 4350116596 | XXXX |  |  | XXXX B A |
| 4350116597 | XXXX |  |  | XXXX D A |
| 4350116598 | XXXX |  |  | XXXX B A |
| 4350116599 | XXXX |  |  | XXXX D A |
| 4350116600 | XXXX |  |  | XXXX A |
| 4350116601 | XXXX |  |  | XXXX B A |
| 4350116602 | XXXX |  |  | XXXX D A |
| 4350116603 | XXXX |  |  | XXXX D A |
| 4350116604 | XXXX |  |  | XXXX C A |
| 4350116605 | XXXX |  |  | XXXX A |
| 4350116606 | XXXX |  |  | XXXX C D A |
| 4350116607 | XXXX |  |  | XXXX B A |
| 4350116608 | XXXX |  |  | XXXX B A |
| 4350116609 | XXXX |  |  | XXXX B A |
| 4350116610 | XXXX |  |  | XXXX A C |
| 4350116611 | XXXX |  |  | XXXX D A |
| 4350116612 | XXXX |  |  | XXXX C A B |
| 4350116613 | XXXX |  |  | XXXX C A |
| 4350116614 | XXXX |  |  | XXXX D A |
| 4350116615 | XXXX |  |  | XXXX C A B |
| 4350116616 | XXXX |  |  | XXXX A |
| 4350116617 | XXXX |  |  | XXXX C A |
| 4350116618 | XXXX |  |  | XXXX A |
| 4350116619 | XXXX |  |  | XXXX A D |
| 4350116620 | XXXX |  |  | XXXX D A |
| 4350116621 | XXXX |  |  | XXXX B A |
| 4350116622 | XXXX |  |  | XXXX A |
| 4350116623 | XXXX |  |  | XXXX A B |
| 4350116624 | XXXX |  |  | XXXX D A |
| 4350116625 | XXXX |  |  | XXXX D A |
| 4350116626 | XXXX |  |  | XXXX D A B |
| 4350116627 | XXXX |  |  | XXXX D A |
| 4350116628 | XXXX |  |  | XXXX C D A |
| 4350116629 | XXXX |  |  | XXXX A |
| 4350116630 | XXXX |  |  | XXXX D A |
| 4350116631 | XXXX |  |  | XXXX D A B |
| 4350116632 | XXXX |  |  | XXXX C D A |
| 4350116633 | XXXX |  |  | XXXX C A |
| 4350116634 | XXXX |  |  | XXXX A |
| 4350116635 | XXXX |  |  | XXXX C D B A |
| 4350116636 | XXXX |  |  | XXXX D C A B |
| 4350116637 | XXXX |  |  | XXXX D A |
| 4350116638 | XXXX |  |  | XXXX A D |
| 4350116639 | XXXX |  |  | XXXX A |
| 4350116640 | XXXX |  |  | XXXX D A |
| 4350116641 | XXXX |  |  | XXXX D A B |
| 4350116642 | XXXX |  |  | XXXX A D |
| 4350116643 | XXXX |  |  | XXXX B A |
| 4350116644 | XXXX |  |  | XXXX D A |
| 4350116645 | XXXX |  |  | XXXX C A |
| 4350116646 | XXXX |  |  | XXXX D A B |
| 4350116647 | XXXX |  |  | XXXX A |
| 4350116648 | XXXX |  |  | XXXX A |
| 4350116649 | XXXX |  |  | XXXX D A |
| 4350116650 | XXXX |  |  | XXXX B A |
| 4350116651 | XXXX |  |  | XXXX A |
| 4350116652 | XXXX |  |  | XXXX B A |
| 4350116653 | XXXX |  |  | XXXX A |
| 4350116654 | XXXX |  |  | XXXX A |
| 4350116655 | XXXX |  |  | XXXX A |
| 4350116656 | XXXX |  |  | XXXX A |
| 4350116657 | XXXX |  |  | XXXX D A B |
| 4350116658 | XXXX |  |  | XXXX C A |
| 4350116659 | XXXX |  |  | XXXX A |
| 4350116660 | XXXX |  |  | XXXX C A B |

---

## Exhibit 99.28

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 4350116535 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Resolved-Recorded DOT and Riders provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Deed of Trust is Missing Deed of Trust is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Resolved-Recorded DOT and Riders provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116535 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Verified DSCR XXXX > 1.0. Max LTV XXXX%. Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Counter-STR not verified. 7 months rents documents provided. Additional 5 do not include property address, only XXXX. Documentation required verifying these are subject property is required. - Due Diligence Vendor-XXXX <br> Resolved-Updated 1008 Provided with updated DSCR Calculation in which DSCR shows above 1.00 (XXXX) as we use STR to qualify hence LTV is within the Guidelines. - Due Diligence Vendor-XXXX <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See calculation on 1008 - Seller-XXXX <br> Open-Audited LTV Exceeds Guideline LTV Audited DSCR is less than 1, for less than 1 DSCR max LTV is XXXX% as per GL - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. See calculation on 1008 - Seller-XXXX<br>| Resolved-Verified DSCR XXXX > 1.0. Max LTV XXXX%. Resolved. - Due Diligence Vendor-XXXX <br> Resolved-Updated 1008 Provided with updated DSCR Calculation in which DSCR shows above 1.00 (XXXX) as we use STR to qualify hence LTV is within the Guidelines. - Due Diligence Vendor-XXXX <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116535 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Resolved-Rent Free letter provided. Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Per Guidelines, page 53, Housing History: Mortgage or rental payments must be 1x30x12. Unable to verify Mortgage or Rental Payment. VOM/VOR or Rent Free letter required. - Due Diligence Vendor-XXXX <br>Ready for Review-UW Response "Housing history not required since borrower owns investment properties." - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower staying in "No primary housing expense" however LOX required from owner of the property stating borrower is staying living rent free. finding added. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-UW Response "Housing history not required since borrower owns investment properties." - Seller-XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Resolved-Rent Free letter provided. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116535 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR Verified. 12 month history provided XXXX dscr. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Counter-STR not verified. 7 months rents documents provided. Additional 5 do not include property address, only XXXX. Documentation required verifying these are subject property is required. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Originator DSCR calculation missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-DSCR Verified. 12 month history provided XXXX dscr. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116535 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-DOT and Riders provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-1-4 Family Rider is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-DOT and Riders provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116536 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Asset Depletion worksheet missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.1 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XXXX <br> Resolved-Revised 1003 received to add an account to the list of assets. The statement was already provided in the file. Updated the system to include it. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated Assets - Seller-XXXX <br> Open-• Loan is short reserves. Total Assets calculated is $XXXX (XXXX). Minus Cash to Close ($XXXX per the Final CD - $XXXX gift funds = $XXXX from the borrower). This leaves $XXXX post-close. Reserves are needed of 6 months PITIA for the XXXX program (6 x XXXX = $XXXX). This leaves the account $XXXX short in reserves. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated Assets - Seller-XXXX<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XXXX <br> Resolved-Revised 1003 received to add an account to the list of assets. The statement was already provided in the file. Updated the system to include it. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document was provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. • The Final 1008 is missing from the loan file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document was provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-A new 1003 was received to remove this gift letter. Asset 5 Not Applicable. System updated. Asset 5 issue resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1003 showing correct gift amount - Seller-XXXX <br> Open-Asset 5 Does Not Meet Guideline Requirements • There is a gift letter from the borrower's brother XXXX dated by the donor XXXX for $XXXX. There is no evidence this amount was provided to Escrow or to the borrower directly. However, there is another gift letter from the same person signed on XXXX stating that $XXXX will be provided. This $XXXX amount was verified via a receipt and the Final XXXX Statement as received by Escrow. No evidence of a $XXXX amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1003 showing correct gift amount - Seller-XXXX<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-A new 1003 was received to remove this gift letter. Asset 5 Not Applicable. System updated. Asset 5 issue resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Missing HO-6 Master Insurance Policy • Master Condo Insurance Policy is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-XXXX <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount • The provided Title Report does not list a coverage amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final Title Policy - Seller-XXXX<br>| Resolved-Title Coverage Amount of XXXX545 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Open-• File is missing the lender's calculation of the Property Tax used for qualification. - Due Diligence Vendor-XXXX |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX <br>Open-The Final 1003 is Not Executed • The document provided that was identified as the Final Loan Application (1003) was not executed. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX <br>Resolved-Corrected page 2 of DOT checking box and LOI provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Condo Rider, corrected pg 2 of DOT checking box and LOI - Seller-XXXX <br>Open-The Deed of Trust is Incomplete • Property is a Condominium, per the Appraisal. The Condo Rider is missing. And page #2 of 15 (section F "Riders") of the Trust Deed did not mark that this property has a Condo Rider attached. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Condo Rider, corrected pg 2 of DOT checking box and LOI - Seller-XXXX<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX <br>Resolved-Corrected page 2 of DOT checking box and LOI provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Condo Rider document provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Condo Rider, corrected pg 2 of DOT checking box and LOI - Seller-XXXX <br>Open-Condo Rider is Missing • The Condo Rider is missing from the Trust Deed. Per the Appraisal, the property is a Condominium. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Condo Rider, corrected pg 2 of DOT checking box and LOI - Seller-XXXX<br>| Resolved-Condo Rider document provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Homeowner's Association Questionnaire uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Condo Questionnaire, Condo Printout & Condo Warranty - Seller-XXXX <br>Open-HOA Questionnaire is Missing or Partial. • Condo HOA Questionnaire is missing from the file. Unable to determine a warrantable status for the condo. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Condo Questionnaire, Condo Printout & Condo Warranty - Seller-XXXX<br>| Resolved-Homeowner's Association Questionnaire uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Corrected 1003 & 1008 received so the HOA matches that of the Final XXXX Statement and the PCCD. Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003/1008 for the HOA - Seller-XXXX <br> Open-HOA Fee difference exsits between validated HOA and documents • HOA amount per the Appraisal is $XXXX monthly. However, HOA dues per the Final XXXX Statement and the PCCD show XXXX to XXXX Master Maintenance + $XXXX = $XXXX. Unable to verify the true HOA amount per the documents in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003/1008 for the HOA - Seller-XXXX<br>| Resolved-Corrected 1003 & 1008 received so the HOA matches that of the Final ALTA Statement and the PCCD. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116537 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-XXXX <br> Resolved-Lease Agreement received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX%. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Recalculated based on the updated 1003 & corresponding leases. Total Rent Expense is: $XXXX Total Rent Expense. Total Expenses are $XXXX PITIA + $XXXX Credit debt + $XXXX calculated Rent expenses = XXXX Total Expenses. DTI is $XXXX Expenses / $XXXX Income = XXXX2%. The DTI does not qualify. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX<br>| Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-XXXX <br>Resolved-Lease Agreement received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX%. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lease Agreement for XXXX received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX <br> Counter-Recalculated based on the updated 1003 & corresponding leases. Total Rent Expense is: $XXXX Total Rent Expense. Total Expenses are $XXXX Total Expenses. DTI is $XXXX Income = XXXX%. The DTI does not qualify. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1008, Bank Statement & Leases - Seller-XXXX <br> Counter-(1) Evidence of rent for XXXX is still missing. Earlier 1003's list the rent at $XXXX. Updated 1003 provided on XXXX now lists rent at $XXXX. Evidence of either amount is still missing. (2) Rent for XXXX is shown on the 1003 to be $XXXX. However, the lease agreements provided show $XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Rental Leases and updated 1003/1008 - Seller-XXXX <br> Open-• Missing evidence why the $XXXX mortgage payment for XXXX (the departing primary residence) was not counted in the Rental Income/Expense calculation. Per an LOX, the borrower plans to keep this property and lease it as an investment. Section 3g of the Final 1003 shows $XXXX rental income x XXXX% usable = $XXXX usable rent - $XXXX taxes/insurance/HOA = $XXXX Net Rental Income. It disregarded the $XXXX. File is missing evidence why it was disregarded. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX <br>Ready for Review-Document Uploaded. 1008, Bank Statement & Leases - Seller-XXXX <br>Ready for Review-Document Uploaded. Rental Leases and updated 1003/1008 - Seller-XXXX<br>| Resolved-Lease Agreement for XXXX received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Missing non-subject rental income documentation | Resolved-Lease Agreement for XXXX received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX <br> Counter-Recalculated based on the updated 1003 & corresponding leases. Total Rent Expense is: $XXXX Total Rent Expense. Total Expenses are $XXXX Total Expenses. DTI is $XXXX Income = XXXX%. The DTI does not qualify. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1008, Bank Statement & Leases - Seller-XXXX <br> Counter-(1) Evidence of rent for XXXX is still missing. Earlier 1003's list the rent at $XXXX. Updated 1003 provided on XXXX now lists rent at $XXXX. Evidence of either amount is still missing. (2) Rent for XXXX is shown on the 1003 to be $XXXX. However, the lease agreements provided show $XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Rental Leases and updated 1003/1008 - Seller-XXXX <br> Open-• Missing evidence why the $XXXX mortgage payment for XXXX (the departing primary residence) was not counted in the Rental Income/Expense calculation. Per an LOX, the borrower plans to keep this property and lease it as an investment. Section 3g of the Final 1003 shows $XXXX rental income x XXXX% usable = $XXXX usable rent - $XXXX taxes/insurance/HOA = $XXXX Net Rental Income. It disregarded the $XXXX. File is missing evidence why it was disregarded. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003 and 1008. With final Lease that we needed - Seller-XXXX <br>Ready for Review-Document Uploaded. 1008, Bank Statement & Leases - Seller-XXXX <br>Ready for Review-Document Uploaded. Rental Leases and updated 1003/1008 - Seller-XXXX<br>| Resolved-Lease Agreement for XXXX received, along with corrected 1003 & 1008. System updated with all new information. Audit DTI of XXXX% matches the lender's 1008 DTI of XXXX%. Issue resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD receipts received (XXXX) for a total of $XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. EMD - Seller-XXXX <br> Open-• File is missing evidence (wire receipt, canceled check, etc) of the XXXX EMD. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. EMD - Seller-XXXX<br>| Resolved-EMD receipts received (XXXXk + XXXXk) for a total of XXXX. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document shows a total of 5 High alerts, only 4 of which were cleared; and 6 Medium alerts, none of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116538 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and is R&W eligible. System updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and is R&W eligible. System updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116539 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Resolved-All clear updated fraud page. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Missing Third Party Fraud Report Fraud report shows uncleared alerts - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Resolved-All clear updated fraud page. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116539 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 as the provided one on page 617 income and appraisal value is different.<br> 1. Our calculated income of XXXX27.81 is matching with final 1003 page 601 and income sheet page 369 whereas 1008 shows income of XXXX17.28<br> 2. Appraisal value as per final 1003 page 601 and appraisal page 30 are XXXX000 whereas as per 1008 appraisal value is XXXX380 - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-1008 document Provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116540 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Post-Disaster Inspect Report received, dated XXXX. No noticeable damage. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-1004D provided. However, the 1004D is dated XXXX. The FEMA incident wasn't declared until XXXX with an end date of XXXX. Property inspection needs to be after the incident end date. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Property potentially affected by FEMA Disaster IDXXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES,XXXX - Declared XXXX with an Incident End Date of XXXX, with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Post-Disaster Inspect Report received, dated XXXX. No noticeable damage. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116540 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent-Free email confirmation received. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Verification received that the borrower is not on the Deed to the property in question. However, this still does not address whether or not rent is paid for living there. A letter from the homeowner of the property to corroborate this is still needed. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements • Borrower currently staying Rent-Free with No primary housing expense. Need Rent Free LOX from the property owner to validate this.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Rent-Free email confirmation received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116540 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Lease Agreement | Waived-Exception on page#510:<br> The borrower Has a lease and the tenant has moved in. They received the Security Deposit, prorated rent for February and full rent For March. The tenant had not fully executed the lease to the underwriter's satisfaction. So we had them go back to the tenant to fully execute the lease. At that time, the tenant refused and informed our borrower that she would like to break the lease and move out at the end of March. Borrower has agreed to let tenant out of the lease as he knows he will have no trouble. - Due Diligence Vendor-XXXX |  | Waived-Exception on page#510:<br> The borrower Has a lease and the tenant has moved in. They received the Security Deposit, prorated rent for February and full rent For XXXX. The tenant had not fully executed the lease to the underwriter's satisfaction. So we had them go back to the tenant to fully execute the lease. At that time, the tenant refused and informed our borrower that she would like to break the lease and move out at the end of XXXX. Borrower has agreed to let tenant out of the lease as he knows he will have no trouble. - Due Diligence Vendor-XXXX | XXXX |  | Compensating Factors:<br> 1.) Borrower(s) have 37.77 months Reserves. Minimum required per guidelines is 6 months.<br> 2.) DSCR is 1.080. Minimum required per guidelines is 0.75.<br> 3.) FICO score of 755 is 35 points above the minimum of 720. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116541 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception Approval p133 for "Borrower has more than 3 tradelines open for 24+ months, however, only 1 tradeline with activity in the recent 12 months" Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p133 for "Borrower has more than 3 tradelines open for 24+ months, however, only 1 tradeline with activity in the recent 12 months" Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | Originator Comp Factors:<br> 1. DSCR is 1.438. Minimum required per guidelines is 1.<br> 2. Credit Score is 739. Minimum required per guidelines is 720.<br> 3. Borrower(s) have 51.88 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116542 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception Approval Provided in file p373:<br> Minimum tradeline requirement - borrower has more than 3 tradelines open for 24+ months, however, has only 1 tradeline with activity in the recent 12 months. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval Provided in file p373:<br> Minimum tradeline requirement - borrower has more than 3 tradelines open for 24+ months, however, has only 1 tradeline with activity in the recent 12 months. - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1. DSCR is 1.424. Minimum required per guidelines is 0.75.<br> 2. Borrower(s) have 45.18 months Reserves. Minimum required per guidelines is 6 months.<br> 3. Borrower Housing History is 0X30X24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116543 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title commitment uploaded with Title Coverage Amount of XXXX000 is equal to Total Amount of Subject Lien(s) - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please attached - Seller-XXXX <br>Open-Title Coverage Amount of XXXX000 is Less than Loan Amount Provide Title with loan amount of XXXX. Title provided in file is less than the loan amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please attached - Seller-XXXX<br>| Resolved-Updated title commitment uploaded with Title Coverage Amount of XXXX000 is equal to Total Amount of Subject Lien(s) - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception on page#890<br> XXXX% LTV and 6 months reserves, with the current credit score of 639.<br> Assets / Reserves: PITIA reserves do not meet guideline requirements. - Due Diligence Vendor-XXXX |  | Waived-Exception on page#890<br> XXXX% LTV and 6 months reserves, with the current credit score of 639.<br> Assets / Reserves: PITIA reserves do not meet guideline requirements. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.DTI is XXXX%. Maximum allowed per guideline is XXXX%.<br> 2.Residual Income is XXXX51.08. Minimum Residual Income required per guidelines is XXXX0. <br> 3. Borrower has worked in same industry from last 27 years, Borrower has worked in same industry more than 5 years.<br> 4. Borrower has been self-employed in the same business since 1997. The residual income is approximately XXXX.  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-received updated 1008 with loan purpose checked - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. 1008 does not state loan purpose - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-received updated 1008 with loan purpose checked - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Missing all rate locks show bwr not locking - Float checked - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Evidence of Rate Lock Missing Rate Lock document Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Evidence of Rate Lock Missing all rate locks show bwr not locking - Float checked - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-received recorded MTG and riders - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XXXX <br>Open-Condo Rider is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. see attached - Seller-XXXX<br>| Resolved-received recorded MTG and riders - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received recorded MTG and riders - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-The Deed of Trust is Missing Deed of Trust is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-received recorded MTG and riders - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116544 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception on page#890<br> XXXX% LTV and 6 months reserves, with the current credit score of XXXX<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements<br>- Due Diligence Vendor-XXXX |  | Waived-Audited LTV Exceeds Guideline LTV Exception on page#890<br> XXXX% LTV and 6 months reserves, with the current credit score of XXXX<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements<br>- Due Diligence Vendor-XXXX | XXXX |  | 1.DTI is XXXX%. Maximum allowed per guideline is XXXX%.<br> 2.Residual Income is XXXX51.08. Minimum Residual Income required per guidelines is XXXX0. <br> 3. Borrower has worked in same industry from last 27 years, Borrower has worked in same industry more than 5 years.<br> 4. Borrower has been self-employed in the same business since 1997. The residual income is approximately XXXX. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116545 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent free letter from the owner was provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Counter-LOX should come from person bwr lives with not the bwr to confirmed lives rent free - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Rent free Letter of explanation from the person borrower is living rent free with - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Rent free letter from the owner was provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116546 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The Note is Missing Provide executed Note. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Note is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116546 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception Approval provided p331: for Borrower currently living with his mother rent free for the last 6 years. Mother's trust owns the property borrower resides in. Borrower is one of four beneficiaries who will inherit his mother's primary residence upon her death. - Due Diligence Vendor-XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Approval provided p331: for Borrower currently living with his mother rent free for the last 6 years. Mother's trust owns the property borrower resides in. Borrower is one of four beneficiaries who will inherit his mother's primary residence upon her death. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Borrower(s) have 85.11 months Reserves. Minimum required per guidelines is 3 months.<br> 2. DSCR is 1.35. Minimum required per guidelines is 0.75<br> 3. Remaining cash out after removing portion for buyout of prior partner. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116546 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p331: for LTV XXXX% with < 700 credit score for cash-out. - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p331: for LTV XXXX% with < 700 credit score for cash-out. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Borrower(s) have 85.11 months Reserves. Minimum required per guidelines is 3 months.<br> 2. DSCR is 1.35. Minimum required per guidelines is 0.75<br> 3. Remaining cash out after removing portion for buyout of prior partner. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116546 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Exception Approval providedp#331 for Borrower with less than 6 months seasoning on title: Borrower's mother and uncle were 50/50 owners of LLC which owns the subject property. Upon mother's death, borrower will be appointed receiver/manager of subject property per mother's revocable trust. Now instead, LLC ownership will change to borrower XXXX% and mother's trust XXXX%. Uncle will be paid XXXX from proceeds. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval providedp#331 for Borrower with less than 6 months seasoning on title: Borrower's mother and uncle were 50/50 owners of LLC which owns the subject property. Upon mother's death, borrower will be appointed receiver/manager of subject property per mother's revocable trust. Now instead, LLC ownership will change to borrower XXXX% and mother's trust XXXX%. Uncle will be paid XXXX from proceeds. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Borrower(s) have 85.11 months Reserves. Minimum required per guidelines is 3 months.<br> 2. DSCR is 1.35. Minimum required per guidelines is 0.75<br> 3. Remaining cash out after removing portion for buyout of prior partner. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116547 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report has Uncleared alerts, Provided updated Fraud Report, Changes Made in System, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 201 shows uncleared alerts - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-Fraud Report has Uncleared alerts, Provided updated Fraud Report, Changes Made in System, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116547 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-No Proof for Assts provided on 1003, provided Updated 1003 with no assets, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-XXXX <br>Open-Provide Statement for the acct XXXX XXXX of XXXX as per final 1003 page 525 - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-XXXX<br>| Resolved-No Proof for Assts provided on 1003, provided Updated 1003 with no assets, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116547 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Requested Final Settlement with Settlement agent sign provided hence resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-Requested Final Settlement with Settlement agent sign provided hence resolved.<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Final HUD1 certified stamped - Seller-XXXX <br>Open-Final HUD-1 Document is Missing. Provide updated Final HUD-1 as the provided one on page 216 settlement agent signature is missing - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final HUD1 certified stamped - Seller-XXXX<br>| Resolved-Requested Final Settlement with Settlement agent sign provided hence resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-Requested Final Settlement with Settlement agent sign provided hence resolved.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116548 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Notarized Business Purpose Affidavit received. Resolved - Due Diligence Vendor-XXXX <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Notarized Business Purpose Affidavit received. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Provide notarized copy of Business Affidavit, page 2. Received signed copy of Business Affidavit but the notarized page is still needed. Countered. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide notarized Business Purpose Affidavit, page 2. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Notarized Business Purpose Affidavit received. Resolved - Due Diligence Vendor-XXXX <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Notarized Business Purpose Affidavit received. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116548 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested Final 1003 Doc Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Final 1003 is Missing Provide executed Final 1003. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested Final 1003 Doc Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116549 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Citizenship documentation is incorrect, provided updated 1003 as borrower is US Cititzen, Changes Made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Disagree with findings - borrower is US citizen - please see attached letter & corrected 1003 - initial 1003 was marked in error - Seller-XXXX <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide Non-US Citizen Identification for borrower. 1003 lists borrower as a Permanent Resident Alien. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Disagree with findings - borrower is US citizen - please see attached letter & corrected 1003 - initial 1003 was marked in error - Seller-XXXX<br>| Resolved-Citizenship documentation is incorrect, provided updated 1003 as borrower is US Cititzen, Changes Made in system, Finding Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116550 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested CD document provided for primary residence from which we can verify borrower is not on mortgage, Borrower's husband is making payments hence considering borrower as living rent free, condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide signed and dated Rent free letter from relative the borrower lives with. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested CD document provided for primary residence from which we can verify borrower is not on mortgage, Borrower's husband is making payments hence considering borrower as living rent free, condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116550 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet missing in file for B2, provided Income Worksheet, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. please see attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income worksheet for Asset Depletion. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. please see attached - Seller-XXXX<br>| Resolved-Income Worksheet missing in file for B2, provided Income Worksheet, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116550 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception Approval p349 for Credit History - Borrower has one active tradeline in the last 24 months - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p349 for Credit History - Borrower has one active tradeline in the last 24 months - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Credit Score is 796. Minimum required per guidelines is 740.<br> 2.Borrower(s) have 127.61 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Borrower has worked in same industry more than 5 years; Borrower has worked at the same job for nearly 15 years.<br> 4.Borrower has worked at the same job for nearly 15 years, credit score, and more than 12 months of reserves. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116551 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested Signed DOT Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested Signed DOT Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116551 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 209 and the Final Closing disclosure on Pg#'s 70, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 69. An interior and exterior appraisal was completed for this property – see pg 35-41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 218, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25, 22. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 209 and the Final Closing disclosure on Pg#'s 70, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 69. An interior and exterior appraisal was completed for this property – see pg 35-41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 218, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25, 22. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception made for loan amount less than XXXXK - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Counter-Missing additional comp factor due to multiple exceptions on file - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited Loan Amount of XXXX500 is less than the Guideline Minimum Loan Amount of XXXX000 Audited Loan Amount of XXXX is less than the Guideline Minimum Loan Amount of XXXX - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Exception made for loan amount less than XXXXK - Due Diligence Vendor-XXXX<br>| XXXX |  | No Credit lates <br> DSCR is 1.346. Minimum required per guidelines is 1.<br> Credit Score is 724. Minimum required per guidelines is 640. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Received good standing cert, finding resolved - Due Diligence Vendor-XXXX <br>Counter-Missing good standing certificate - Due Diligence Vendor-XXXX <br>Ready for Review-Missing good standing certificate - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Entity Formation Doc Indicator is Missing. Missing operating agreement, articles of incorporation and good standing cert - Due Diligence Vendor-XXXX |  | Resolved-Received good standing cert, finding resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Finding resolved, value coming out to XXXX% - Due Diligence Vendor-XXXX <br>Counter-Received work order for XXXX, missing documentation showing improvements for an additional XXXX - Due Diligence Vendor-XXXX <br>Rescinded-Clarification received, finding rescinded - Due Diligence Vendor-XXXX <br>Ready for Review-Our max LTV is XXXX% on this program. Our LTV is XXXX%. - Buyer-XXXX <br>Open-Audited LTV Exceeds Guideline LTV Delayed Financing - LTV is based on the lesser of the purchase price + Documented Cost of Improvements or appraised value.<br> - Due Diligence Vendor-XXXX |  | Resolved-Finding resolved, value coming out to XXXX% - Due Diligence Vendor-XXXX <br>Rescinded-Clarification received, finding rescinded - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received settlement statement for purchase of property - Due Diligence Vendor-XXXX <br>Counter-Missing settlement statement from purchase confirming no mortgage financing used to acquire subject - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Delayed Financing - Settlement statement from purchase confirms no mortgage financing used to acquire subject - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received settlement statement for purchase of property - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Received bank statements showing source of funds, finding resolved - Due Diligence Vendor-XXXX <br>Counter-Missing source of funds used for purchase - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Delayed Financing - Source of funds used for purchase documented (gift funds may not be included) - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received bank statements showing source of funds, finding resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for primary residence being within 25 miles of subject property - Due Diligence Vendor-XXXX |  | Waived-Loan does not conform to program guidelines Exception made for primary residence being within 25 miles of subject property - Due Diligence Vendor-XXXX<br>| XXXX |  | DSCR is 1.346. Minimum required per guidelines is 1.<br> Credit Score is 724. Minimum required per guidelines is 640. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116552 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free - Due Diligence Vendor-XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free - Due Diligence Vendor-XXXX<br>| XXXX |  | DSCR is 1.346. Minimum required per guidelines is 1.<br> Credit Score is 724. Minimum required per guidelines is 640. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116554 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p282 for allowing for XXXX% LTV to remain despite slight decrease noted in market trends. - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p282 for allowing for XXXX% LTV to remain despite slight decrease noted in market trends. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Credit Score is 757. Minimum required per guidelines is 720.<br> 2. DSCR is 1.32 Minimum required per guidelines is 0.75.<br> 3. Borrower(s) have 86.56 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116554 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of XXXX20 is less than the Guideline Minimum Loan Amount of XXXX000 Exception Approval provided p282 for Loan amount is below XXXXk minimum - XXXXk. - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount of XXXX20 is less than the Guideline Minimum Loan Amount of XXXX000 Exception Approval provided p282 for Loan amount is below 100k minimum - XXXXk. - Due Diligence Vendor-XXXX | XXXX |  | 1. Credit Score is 757. Minimum required per guidelines is 720.<br> 2. DSCR is 1.32 Minimum required per guidelines is 0.75.<br> 3. Borrower(s) have 86.56 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116555 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Requested Proof of Gift funds provided hence resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Asset 4 Does Not Meet Guideline Requirements Asset 4 Gift amount of XXXX, receipt funds have been received required - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested Proof of Gift funds provided hence resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116556 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-New Disaster Inspection Report received, dated XXXX. No damage reported. Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-The "Date of Inspection" was XXXX, which was before the disaster date. Even though the report was signed on XXXX, it was actually inspected by the appraiser on XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES, XXXX - Declared XXXX without an Incident End Date with Public Assistance: NO and Individual Assistance: YES. After the disaster end date, a Property Inspection with exterior photos is required. The current 1004 Appraisal is dated XXXX with a 1004D Recert of Value dated XXXX. Both of these dates are before the declaration date. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-New Disaster Inspection Report received, dated XXXX. No damage reported. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116557 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Exception Approval provided in Findings XXXX. Allow loan on a vacated primary residence with current DSCR Under 1.00 (.XXXX from expiring lease / .XXXX from appraiser / but XXXX with new XXXX0 lease rate starting July 1). Borrower is moving from XXXX to XXXX and using the funds for the investment property to fund the purchase of the new property. She has been renting a property in XXXX since December while also maintaining minor use of the subject property. So with her use now ended, rent is rising from XXXX0 to XXXX0 for tenant, but closing before July 1 renewal. - Due Diligence Vendor-XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOR or proof of rent payments to verify 5 months of rental history per 1003. Received verification of one month using bank statement provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Exception Approval provided in Findings XXXX. Allow loan on a vacated primary residence with current DSCR Under 1.00 (.83 from expiring lease / .96 from appraiser / but 1.06 with new XXXX0 lease rate starting July 1). Borrower is moving fromXXXXto Florida and using the funds for the investment property to fund the purchase of the new property. She has been renting a property in Florida since December while also maintaining minor use of the subject property. So with her use now ended, rent is rising from XXXX0 to XXXX0 for tenant, but closing before July 1 renewal. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.LTV less than XXXX%, AND at least XXXX% less than guideline maximum<br> 2.Housing payment history is 0x30x24 or better.<br> 3.Low LTV, property has been receiving rent for 6 months - but at reduced rate before borrower fully gave up its use, initial cleared payments not yet made, but soon after closing the same tenant will pay XXXX0 now that use is XXXX% exclusive. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116557 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception on page#404<br> Income: Income documentation or calculation (DTI or DSCR) does not meet guideline requirements.<br> Allow loan on a vacated primary residence with current DSCR Under 1.00 (.XXXX from expiring lease / .XXXX from appraiser / but XXXX with new XXXX0 lease rate starting July 1). Borrower is moving from XXXX to XXXX and using the funds for the investment property to fund the purchase of the new property. She has been renting a property in XXXX since December while also mainting minor use of the subject property. So with her use now ended, rent is rising from XXXX0 to XXXX0 for tenant, but closing before July 1 renewal - Due Diligence Vendor-XXXX |  | Waived-Exception on page#404<br> Income: Income documentation or calculation (DTI or DSCR) does not meet guideline requirements.<br> Allow loan on a vacated primary residence with current DSCR Under 1.00 (.83 from expiring lease / .96 from appraiser / but 1.06 with new XXXX0 lease rate starting July 1). Borrower is moving fromXXXXto Florida and using the funds for the investment property to fund the purchase of the new property. She has been renting a property in XXXX since December while also mainting minor use of the subject property. So with her use now ended, rent is rising from XXXX0 to XXXX0 for tenant, but closing before July 1 renewal - Due Diligence Vendor-XXXX | XXXX |  | 1.LTV less than XXXX%, AND at least XXXX% less than guideline maximum<br> 2.Housing payment history is 0x30x24 or better.<br> 3.Low LTV, property has been receiving rent for 6 months - but at reduced rate before borrower fully gave up its use, initial cleared payments not yet made, but soon after closing the same tenant will pay XXXX0 now that use is XXXX% exclusive, | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116558 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received Business Purpose Affidavit. Resolved - Due Diligence Vendor-XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Business Purchase Affidavit attached - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Business Purchase Affidavit attached - Seller-XXXX<br>| Resolved-Received Business Purpose Affidavit. Resolved - Due Diligence Vendor-XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116559 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Corrected DSCR calculator received. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-• The 'Debt Service Coverage Ratio (DSCR) Calculator' in file shows a DSCR of XXXX using a P&I of XXXX. This does not match the 1008, or the Note, which shows a P&I of XXXX. This is causing a DSCR variance between the lender's worksheet & the audit's calculation. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Corrected DSCR calculator received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116560 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-UW Exception on page 440 to allow XXXX% LTV which exceeds GL Max for Declining Property of XXXX%. - Due Diligence Vendor-XXXX |  | Waived-UW Exception on page 440 to allow XXXX% LTV which exceeds GL Max for Declining Property of XXXX%. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower is seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history<br> Credit Score is 770; 720 required<br> 41+ months reserve; 6 months required | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116561 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Resolved-Rent free letter provided from owner. Resolved - Due Diligence Vendor-XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Rent free letter provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Letter of explanation for rent free should come from the person borrower lives with - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Resolved-Rent free letter provided from owner. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116562 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN number provided from IRS. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Counter-Provide IRS generated EIN number. Received control number for business. EIN number is needed. Countered - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Entity EIN Number documentation. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-EIN number provided from IRS. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116562 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception Approval p1092<br> - XXXX% LTV on DSCR with 1 borrower having a credit score of XXXX and another borrower having a score of 677. <br> - Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements . - Due Diligence Vendor-XXXX |  | Waived-Audited LTV Exceeds Guideline LTV Exception Approval p1092<br> - XXXX% LTV on DSCR with 1 borrower having a credit score of XXXX and another borrower having a score of 677. <br> - Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements . - Due Diligence Vendor-XXXX | XXXX |  | 1.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 2.Borrower(s) have 33.31 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Total of 4 borrowers on loan credit scores are 799, 713, 677, 800. Closing in an LLC and all 4 borrowers each own XXXX%. 2 borrowers having over 740 score and 20 points higher than the guideline min. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116563 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Counter-Comp factors to not alleviate the layered risk on this loan. - Due Diligence Vendor-XXXX <br> Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Exception Approval provided on p632, for Primary COR - FICO XXXX, LTV XXXX% - Due Diligence Vendor-XXXX |  | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Waived-Audited FICO of 651 is less than Guideline FICO of 680 Exception Approval provided on p632, for Primary COR - FICO XXXX, LTV XXXX% - Due Diligence Vendor-XXXX | XXXX |  | Borrower worked in the same industry for over 7 years; 2 years required<br> Borrower works in sales and income is increasing steadily.<br> 12.07 months reserves with loan proceeds; 9 required<br> Investor approves compensating factors | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116563 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Counter-Comp factors to not alleviate the layered risk on this loan. - Due Diligence Vendor-XXXX <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Open-Residual income insufficient for family of XXXX. Residual income of XXXX is less than the XXXX requirement - Due Diligence Vendor-XXXX |  | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br>Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower worked in the same industry for over 7 years; 2 years required<br> Borrower works in sales and income is increasing steadily.<br> 12.07 months reserves with loan proceeds; 9 required.<br> Investor approves compensating factors<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116563 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Counter-Comp factors to not alleviate the layered risk on this loan. - Due Diligence Vendor-XXXX <br> Waived-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Exception Approval provided p632, for DTI of XXXX% exceeds max allowable ratios and residual income fails. - Due Diligence Vendor-XXXX |  | Waived-Lender and investor elect to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br>Waived-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Exception Approval provided p632, for DTI of XXXX% exceeds max allowable ratios and residual income fails. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower worked in the same industry for over 7 years; 2 years required<br> Borrower works in sales and income is increasing steadily.<br> 12.07 months reserves with loan proceeds; 9 required<br> Investor approves compensating factors | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116563 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #387 and the Final Closing disclosure on Pg #206 reflects escrows. Rate lock date was entered correctly – see Pg #203 An interior and exterior appraisal was completed for this property – see Pg #37-43, the appraisal disclosure was provided to the borrower(s)- see Pg #393 and copy of the appraisal was given to the borrower – see Pg #20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>| Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #387 and the Final Closing disclosure on Pg #206 reflects escrows. Rate lock date was entered correctly – see Pg #203 An interior and exterior appraisal was completed for this property – see Pg #37-43, the appraisal disclosure was provided to the borrower(s)- see Pg #393 and copy of the appraisal was given to the borrower – see Pg #20 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #387 and the Final Closing disclosure on Pg #206 reflects escrows. Rate lock date was entered correctly – see Pg #203 An interior and exterior appraisal was completed for this property – see Pg #37-43, the appraisal disclosure was provided to the borrower(s)- see Pg #393 and copy of the appraisal was given to the borrower – see Pg #20 for the copy of the disclosure. The loan meets HPML guidelines. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet is missing in file, Provided The same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset depletion worksheet. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Income Worksheet is missing in file, Provided The same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Condo Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Condo Rider is Missing Provide Condo Rider and any additional riders listed on Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Condo Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Deed of Trust Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval on p944.<br> Condo - Project has outstanding repairs listed in their 2nd milestone for walkway slab, slab edge spall, and column spalling. The project obtained a XXXX loan to fund the repairs; they recently obtained a building permit so the repairs can commence. This project demonstrates financial stability by holding a current reserve balance of XXXX. No pending or special assessments at this time. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval on p944.<br> Condo - Project has outstanding repairs listed in their 2nd milestone for walkway slab, slab edge spall, and column spalling. The project obtained a XXXX loan to fund the repairs; they recently obtained a building permit so the repairs can commence. This project demonstrates financial stability by holding a current reserve balance of XXXX. No pending or special assessments at this time. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Max LTV is XXXX%. Current LTV is at XXXX%.<br> 2.Borrower(s) have 6.86 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Credit Score is 750. Minimum required per guidelines is 740. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approval on p944.<br> Income - To use asset depletion income - Income short by XXXX of the XXXX% needed for percentage of overall income. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval on p944.<br> Income - To use asset depletion income - Income short by XXXX of the XXXX% needed for percentage of overall income. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Max LTV is XXXX%. Current LTV is at XXXX%.<br> 2.Borrower(s) have 6.86 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Credit Score is 750. Minimum required per guidelines is 740. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception on page#944, 8451.<br> Program - Loan amount of XXXX- XXXX lower than guideline minimum - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception on page#944, 8451.<br> Program - Loan amount of XXXX- XXXX lower than guideline minimum - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2.Borrower(s) have 6.86 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Credit Score is 750. Minimum required per guidelines is 740. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI Exceeds Guideline DTI Exception Approval provided p944:<br> Max LTV for non-warrantable Condo is XXXX%. Loan DTI is XXXX%.<br> - Due Diligence Vendor-XXXX |  | Waived-Audited DTI Exceeds Guideline DTI Exception Approval provided p944:<br> Max LTV for non-warrantable Condo is XXXX%. Loan DTI is XXXX%.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  | 1- Max LTV is XXXX%. Current LTV is at XXXX%.<br> 2- Borrower has over XXXX in additional reserves in Mutual funds and Retirement accounts<br> 3- Credit Score is 750. Minimum required per guidelines is 740. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116564 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 821 and the Final Closing disclosure on Pg#'s 102, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 100. An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 32, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 821 and the Final Closing disclosure on Pg#'s 102, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 100. An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 32, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116565 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative from borrower with his signature and date as of XXXX. Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br> Open-Provide Business Narrative from the borrower describing the nature of the business. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Received Business Narrative from borrower with his signature and date as of XXXX. Resolved - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116565 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet is missing in file, Provided The same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Calculator for Bank Statement income used.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Income Worksheet is missing in file, Provided The same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116565 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing evidence HOA has a binding arbitration agreement | Waived-Exception Approval p1094:<br> The HOA is involved in an active litigation. There is not a dollar amount set for this claim which is involving the responsibility for the repairs to the non-functioning penthouse units' hot tubs. The subject unit is part of the litigation. There are no material defects, the hot tubs simply do not work. (Please see as-is appraisal). The project demonstrates financial feasibility. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p1094:<br> The HOA is involved in an active litigation. There is not a dollar amount set for this claim which is involving the responsibility for the repairs to the non-functioning penthouse units' hot tubs. The subject unit is part of the litigation. There are no material defects, the hot tubs simply do not work. (Please see as-is appraisal). The project demonstrates financial feasibility. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Credit Score is 755. Minimum required per guidelines is 700.<br> 2.DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 3.Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br> 4.Property value is XXXX but because this is Delayed Financing the Value used for LTV is XXXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116565 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval p1094:<br> Master insurance lacks inflation guard coverage. This risk is lowered since the property hazard policy is all risk replacement cost coverage set at a XXXX limit. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p1094:<br> Master insurance lacks inflation guard coverage. This risk is lowered since the property hazard policy is all risk replacement cost coverage set at a XXXX limit. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Credit Score is 755. Minimum required per guidelines is 700.<br> 2.DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 3.Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br> 4.Property value is XXXX but because this is Delayed Financing the Value used for LTV is XXXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116567 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Lender elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br> Open-Per the guidelines on page 29 New Project for a non-warrantable condo when the HOA is still in the control of the builder and property is located in XXXX, required PERS approval is needed. The Lender exception is on page 1093 for not having a PERS approval. Acknowledge EV3/C. - Due Diligence Vendor-XXXX <br> Acknowledged- - Due Diligence Vendor-XXXX |  | Waived-Lender elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower has 46.12 months of reserves and all that is required is 6 months. <br> Borrower has a DTI of 29.98 and max is allowed is XXXX%<br> Borrower has been at job for over 8 years. <br> Property appraised 20,000 over the purchase price and already has equity.  | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116567 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | HOA is in control of builder | Open-Crime coverage is in the name of the developer not in the HOA as this is new construction. - Due Diligence Vendor-XXXX <br>Waived- - Due Diligence Vendor-XXXX |  |  | XXXX |  | Borrower has 46.12 months of reserves and all that is required is 6 months. <br> Borrower has a DTI of 29.98 and max is allowed is XXXX%<br> Borrower has been at job for over 8 years. <br> Property appraised 20,000 over the purchase price and already has equity.  | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116568 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Affidavit not needed. Borrower confirmed consumer per Client. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached and clear! - Seller-XXXX <br>Open-Provide Notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached and clear! - Seller-XXXX<br>| Resolved-Business Affidavit not needed. Borrower confirmed consumer per Client. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116568 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative from borrower. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative from borrower. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116571 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present; lender provided Desk review. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation with acceptable variance to Primary. CU Score is greater than 2.5. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present; lender provided Desk review. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116571 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative provided by borrower. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Provide Business Narrative provided by borrower describing the nature of the business. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Received Business Narrative provided by borrower. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116572 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Worksheet for Asset Depletion. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Income Worksheet Provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116574 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p263:<br> Exception for 8th Investor Cash Flow loan to the same borrower. DSCR figure below 1.0 but allowing XXXX% LTV. - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p263:<br> Exception for 8th Investor Cash Flow loan to the same borrower. DSCR figure below 1.0 but allowing XXXX% LTV. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Credit Score is 765. Minimum required per guidelines is 700 and at least 20 points higher than guideline minimum.<br> 2. Borrower(s) have 175.82 months Reserves. Minimum required per guidelines is 9 months.<br> 3. Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br>| XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116575 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Disaster report provided on page 82. "No storm or wind damage observed"<br> Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES, XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: NO and Individual Assistance: YES. Property inspection with exterior photos required. Appraisal date of XXXX<br> - Due Diligence Vendor-XXXX |  | Resolved-Disaster report provided on page 82. "No storm or wind damage observed"<br> Property potentially affected by FEMA Disaster ID 4864. SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES,XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: NO and Individual Assistance: YES. Property inspection with exterior photos required. Appraisal date of XXXX<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116576 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement for subject property provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Open-Provide lease agreement in the amount of XXXX for the subject property. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Resolved-Lease agreement for subject property provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116576 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception provided on p374:<br> - Exception to go to XXXX% with DSCR Ratio of XXXX.<br> - Income: Income documentation or calculation (DTI or DSCR) does not meet guideline requirements.<br> - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception provided on p374:<br> - Exception to go to XXXX% with DSCR Ratio of XXXX.<br> - Income: Income documentation or calculation (DTI or DSCR) does not meet guideline requirements.<br> - Due Diligence Vendor-XXXX | XXXX |  | 1.Credit Score is 765. Minimum required per guidelines is 720.<br> 2.Borrower(s) have 81.12 months Reserves. Minimum required per guidelines is 9 months.<br> 3.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 4.Seasoned investor, reserves, credit score, payment history. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116577 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Exception Approval on page#465, 493:<br> - Main borrower is a non-resident alien which doesn't allow Alt Doc use - now a bank statement file rather than 1099.<br> -1099 program requires borrower to be a US citizen. The main borrower is not a US citizen but the co borrower is a US Citizen. <br> - Borrower Eligibility: Citizenship documentation does not meet guideline requirements - Due Diligence Vendor-XXXX |  | Waived-Exception Approval on page#465, 493:<br> - Main borrower is a non-resident alien which doesn't allow Alt Doc use - now a bank statement file rather than 1099.<br> -1099 program requires borrower to be a US citizen. The main borrower is not a US citizen but the co borrower is a US Citizen. <br> - Borrower Eligibility: Citizenship documentation does not meet guideline requirements - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2.Borrower(s) have 48.24 months Reserves. Minimum required per guidelines is 6 months.<br> 3.DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 4.Applicant has been in the US since 2006. Has credit that started in 2015. Has XXXXk in a 401k which shows he's established in the US. Self employed jockey showing good income via 1099. Married to a US Citizen. XXXX% down payment with solid reserves. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116579 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-Received Meets guidelines. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached - Seller-XXXX <br> Counter-What is missing from the file is the appraisal disclosure. Have the receipt of appraisal - Due Diligence Vendor-XXXX <br> Ready for Review-FULL APPRAISAL AND ESCROWING SO OKAY WITH HPML - please re-review and advise. - Seller-XXXX <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) Missing the appraisal disclosure <br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 297 and the Final Closing disclosure on Pg#'s 87, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 305. An interior and exterior appraisal was completed for this property – see pg 61, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 46, and confirmation the appraisal was delivered to the borrower – see Pg#'s 47, 313. T - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Ready for Review-FULL APPRAISAL AND ESCROWING SO OKAY WITH HPML - please re-review and advise. - Seller-XXXX<br>| Resolved-Received Meets guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116580 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Other Income in 1003, and we There is no Proof for Other Income, provided Updated 1003 and 1008 with No Other income in documents, Changes made in system, Finding resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Income removed - Seller-XXXX <br>Open-Proof of other employment is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income removed - Seller-XXXX<br>| Resolved-Other Income in 1003, and we There is no Proof for Other Income, provided Updated 1003 and 1008 with No Other income in documents, Changes made in system, Finding resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116580 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd Party VOE prior to closing is missing in file, provided VOE, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is not with in 30 days of closing date. - Due Diligence Vendor-XXXX |  | Resolved-3rd Party VOE prior to closing is missing in file, provided VOE, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116580 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116581 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-XXXX receipts payable to "XXXX XXXX" (per the Lease, this is the Landlord) for XXXX and XXXX. Together, this totals the XXXX Lease amount. Borrower has rented for 5 months, and 5 months verification received with in Bank Statement deductions or with XXXX receipts. Prior to the 5 months renting at this address, the borrower lived at XXXX rent-free, which is shown as owned by Borrower 2. Since Bwr2's housing history has already been verified, no further verification is required. Issue resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. The borrower started renting in 11/2024. From XXXX thru XXXX, the borrower shows that they had payments every month on the 1st XXXX0.00 and 31st XXXX. There is no evidence to consider the borrower was ever delinquent from when she began her tenancy. See attached Rental Payments and Rental Agreement<br>- Seller-XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. • Bwr 1 has rented her current primary residence for XXXX per month (per the Final 1003 and the provided lease agreement) for the past 5 months. However, a VOR to show timely payments of rent was not provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The borrower started renting in 11/2024. From XXXX thru XXXX, the borrower shows that they had payments every month on the 1st XXXX0.00 and 31st XXXX. There is no evidence to consider the borrower was ever delinquent from when she began her tenancy. See attached Rental Payments and Rental Agreement<br>- Seller-XXXX<br>| Resolved-XXXX receipts payable to "XXXX XXXX" (per the Lease, this is the Landlord) for XXXX and XXXX. Together, this totals the XXXX Lease amount. Borrower has rented for 5 months, and 5 months verification received with in Bank Statement deductions or with XXXX receipts. Prior to the 5 months renting at this address, the borrower lived at XXXX rent-free, which is shown as owned by Borrower 2. Since Bwr2's housing history has already been verified, no further verification is required. Issue resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116581 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XXXX <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br>Open-Qualifying FICO on the 1008 Page is '735' or blank, but the Qualifying FICO from the Credit Liabilities Page is '789' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines (3.1.10): "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." Borrower 1 has XXXXk in income, and Borrower 2 has XXXXk in income. Thus, with Borrower 2 having higher income, Borrower 2's FICO score should be used. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-Validation Resolved - Due Diligence Vendor-XXXX <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116581 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 3 Medium alerts, only 1 of which were cleared; and 5 Low alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116582 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p330:<br> - XXXX% LTV purchase for ICF with a credit score of XXXX.<br>- Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided p330:<br> - XXXX% LTV purchase for ICF with a credit score ofXXXX.<br>- Due Diligence Vendor-XXXX | XXXX |  | Compensating Factors:<br> - Borrower(s) have 17.43 months Reserves. Minimum required per guidelines is 6 months.<br> - Borrower Housing History is 0X30, 42 months. Housing History required per guidelines is 0X30, 12 months.<br> - DSCR is 1.201. Minimum required per guidelines is 0.75. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116582 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of XXXX% exceeds Guideline HCLTV of XXXX% Exception Approval provided p330:<br> - XXXX% LTV purchase for ICF with a credit score of XXXX.<br> - Due Diligence Vendor-XXXX |  | Waived-Audited HLTV of XXXX% exceeds Guideline HCLTV of XXXX% Exception Approval provided p330:<br> - XXXX% LTV purchase for ICF with a credit score of XXXX.<br> - Due Diligence Vendor-XXXX | XXXX |  | Compensating Factors: <br> - Borrower(s) have 17.43 months Reserves. Minimum required per guidelines is 6 months.<br> - Borrower Housing History is 0X30, 42 months. Housing History required per guidelines is 0X30, 12 months.<br> - DSCR is 1.201. Minimum required per guidelines is 0.75. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116583 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception provided p521:<br> Asking for an exception due to appraiser using long-term rents, no comps in the neighborhood due to it being new, and no XXXX certified appraiser to do a report. This is a site condo. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Waived-Exception provided p521:<br> Asking for an exception due to appraiser using long-term rents, no comps in the neighborhood due to it being new, and no XXXX certified appraiser to do a report. This is a site condo. - Due Diligence Vendor-XXXX | XXXX |  | Compensating Factors:<br> 1. Credit Score is 768. Minimum required per guidelines is 720.<br> 2. Borrower(s) have 145.09 months Reserves. Minimum required per guidelines is 6 months.<br> 3. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116585 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narratives for both borrowers. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116585 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of XXXX is less than Guideline FICO of 700 Exception Approval provided p415 for Representative credit score being below 700 on a cash out refinance with alternative documentation, now XXXX for main earner. - Due Diligence Vendor-XXXX |  | Waived-Audited FICO of XXXX is less than Guideline FICO of 700 Exception Approval provided p415 for Representative credit score being below 700 on a cash out refinance with alternative documentation, now XXXX for main earner. - Due Diligence Vendor-XXXX | XXXX |  | Compensating Factors:<br> 1. Borrower has worked in same job 10 years.<br> 2. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 3. Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history. | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116586 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Replacement cost estimator. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide Hazard Insurance to cover the loan amount of XXXX or provide a Replacement Cost Estimator. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Received Replacement cost estimator. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116586 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative received. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Provide Business Narrative for Borrower 2. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Business Narrative received. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116586 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Bankruptcy less than 5 years from application | Waived-Exception Approval provided p504 for Bankruptcy discharged in last 4 years. Chapter 13 filed XXXX and Paid off /discharged XXXX. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval provided p504 for Bankruptcy discharged in last 4 years. Chapter 13 filed XXXX and Paid off /discharged XXXX. - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1. Credit Score is 771. Minimum required per guidelines is 740.<br> 2. Borrower(s) have 14.5 months Reserves. Minimum required per guidelines is 6 months.<br> 3. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116586 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #'s 485 and the Final Closing disclosure on Pg #'s 176, Finding reflects escrows. Rate lock date was entered correctly – see Pg #'s 492. An interior and exterior appraisal was completed for this property – see Pg 45-57, 73-78, the appraisal disclosure was provided to the borrower(s)- see Pg #494 's , and confirmation the appraisal was delivered to the borrower – see Pg #59's. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #'s 485 and the Final Closing disclosure on Pg #'s 176, Finding reflects escrows. Rate lock date was entered correctly – see Pg #'s 492. An interior and exterior appraisal was completed for this property – see Pg 45-57, 73-78, the appraisal disclosure was provided to the borrower(s)- see Pg #494 's , and confirmation the appraisal was delivered to the borrower – see Pg #59's. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116587 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-There is no 1003 signed at closing, it was e-signed after closing. This document provided is the Final 1003. - Due Diligence Vendor-XXXX <br>Ready for Review-Looks like they did esign the URLA on the day after closing. This should be ok - Seller-XXXX <br>Open-The Final 1003 is Incomplete • The document provided as the Final 1003 was signed XXXX, which is the day after the Closing/Signing/Notary date of XXXX. Document executed at the Day of Closing is missing from the file. Additionally, on the document provided in section 1B ("Current Employment/Self-Employment and Income"), the employer address is missing, the Position or Title is missing, and How long in this line of work is missing. - Due Diligence Vendor-XXXX | Ready for Review-Looks like they did esign the URLA on the day after closing. This should be ok - Seller-XXXX<br>| Resolved-There is no 1003 signed at closing, it was e-signed after closing. This document provided is the Final 1003. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116587 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX document shows a total of 3 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116587 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-. - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s404 and the Final Closing disclosure on Pg#'s194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s424,411,189. An interior and exterior appraisal was completed for this property – see pg#'s37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'s267. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-. - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s404 and the Final Closing disclosure on Pg#'s194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s424,411,189. An interior and exterior appraisal was completed for this property – see pg#'s37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'s267. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116588 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Exception Approval in file for Payment shock exceeding guidelines p344. The borrower currently pays XXXX in monthly rent and the proposed PITI is XXXX. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Exception Approval in file for Payment shock exceeding guidelines p344. The borrower currently pays XXXX in monthly rent and the proposed PITI is XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Waived-Exception Approval in file for Payment shock exceeding guidelines p344. The borrower currently pays XXXX in monthly rent and the proposed PITI is XXXX. - Due Diligence Vendor-XXXX<br>| XXXX |  | Originator Compensating Factors:<br> 1. Borrower Housing History is 0X30, 60 months. Housing History required per guidelines is 0X30, 12 months.<br> 2. Credit Score is 751. Minimum required per guidelines is 740.<br> 3. Job Stability 3+ Years on same job with more than 5 years in the industry. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116588 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with Policy number provided. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy Partially Provided Hazard Insurance Policy with Policy number provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide updated Hazard Policy with Hazard Insurance policy number. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Hazard Insurance Policy with Policy number provided. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy Partially Provided Hazard Insurance Policy with Policy number provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116589 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-received updated 1008 and income calc with only XXXX months - resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1008 and Income Calc - Seller-XXXX <br> Counter-We have received the updated worksheet uploaded on XXXX. The PDF is missing 12 months' worth of statements, and XXXX not on worksheet, statements missing are XXXX thru XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated income calc - Seller-XXXX <br> Counter-updated 1003/1008 received with increased income and no supporting income docs - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003/1008 for updated DTI - Seller-XXXX <br> Counter-received updated 1008 with corrected income, audited DTI now Exceeds GLs at fully amortized XXXX% - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with income of XXXX, per CPA letter Borrower owns only XXXX% of business income i,e,. XXXX. but 1008 document showing as XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1008 and Income Calc - Seller-XXXX <br>Ready for Review-Document Uploaded. Updated income calc - Seller-XXXX <br>Ready for Review-Document Uploaded. Updated 1003/1008 for updated DTI - Seller-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-received updated 1008 and income calc with only 12 months - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116589 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Fannie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Fannie SSR - Seller-XXXX<br>| Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116589 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116589 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s451 and the Final Closing disclosure on Pg#'s200, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s471,461,199. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s35,36. and confirmation the appraisal was delivered to the borrower – see Pg#'s276. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s451 and the Final Closing disclosure on Pg#'s200, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s471,461,199. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s35,36. and confirmation the appraisal was delivered to the borrower – see Pg#'s276. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116590 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Counter-Provide the updated tax cert - Due Diligence Vendor-XXXX <br>Resolved-Tax cert provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Tax cert and updated 1008 - Seller-XXXX <br>Open-Missing Evidence of Property Tax Tax cert on page #588 shows tax amount as XXXX annually or XXXX monthly. However, final CD, payment letter shows tax amount as XXXX. Provide tax cert validating this XXXX tax amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Tax cert and updated 1008 - Seller-XXXX<br>| Resolved-Tax cert provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116590 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Borrower Passport - Seller-XXXX <br>Open-Borrower driver's license on page # 398 is expired before the note date. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Borrower Passport - Seller-XXXX<br>| Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116590 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 document provided. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX <br>Open-The Final 1003 is Missing Final 1003 not in file - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX<br>| Resolved-Final 1003 document provided. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116590 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Account Disclosure document provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XXXX <br>Open-Provide Initial Escrow Account Disclosure as it is missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XXXX<br>| Resolved-Initial Escrow Account Disclosure document provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116590 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing from file and the Final Closing disclosure on page # 153-157 reflects escrows. Rate lock date was entered correctly – see page # 418. An interior and exterior appraisal was completed for this property – see page # 49-82 and the appraisal disclosure was provided to the borrower(s)- see page # 48 and confirmation the appraisal was delivered to the borrower(s) #260. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing from file and the Final Closing disclosure on page # 153-157 reflects escrows. Rate lock date was entered correctly – see page # 418. An interior and exterior appraisal was completed for this property – see page # 49-82 and the appraisal disclosure was provided to the borrower(s)- see page # 48 and confirmation the appraisal was delivered to the borrower(s) #260. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116591 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Received signed Business Purpose Affidavit. Still need the Notarized copy. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Notarized copy of Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116591 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Requested XXXX docs provided hence resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Provide STR rental history from XXXX used for rent value XXXX/12=XXXX for DSCR calculation. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested XXXX docs provided hence resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116591 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval provided p584:<br> Project has outstanding critical repairs for their roof as result of a windstorm that took place XXXX. No safety issues, and all units are habitable. The roof replacement will be completed this month. Project has XXXX currently in a reserve CD account - Due Diligence Vendor-XXXX |  | Waived-Exception Approval provided p584:<br> Project has outstanding critical repairs for their roof as result of a windstorm that took place XXXX. No safety issues, and all units are habitable. The roof replacement will be completed this month. Project has XXXX currently in a reserve CD account - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1. Borrower has worked in same job more than 3 years<br> 2. LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 3. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116592 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Resolved - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: HOA Certification Handling Fee, Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC to cure tolerance of XXXX for the increase of the Condominium Questionnaire Fee. Original submission had fee of XXXX. Fee increased to XXXX Loan Discount Fee also increased to XXXX from initial. There is not a COC or lender credit in file. <br>- Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received COC. Resolved - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116592 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Received COC. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX <br>Open-You submitted a Last Loan Estimate Received Date (XXXX) earlier than the Last Loan Estimate Date (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(e)) - Due Diligence Vendor-XXXX |  | Resolved-Received COC. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116592 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Exception Approval provided p1196:<br> - Payment shock slightly exceeds the guideline of XXXX%. It will be between XXXX% and XXXX%. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval provided p1196:<br> - Payment shock slightly exceeds the guideline of XXXX%. It will be between XXXX% and XXXX%. - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> - LTV less than XXXX%, AND at least XXXX% less than guideline maximum.<br> - Borrower has verified residual income (disposable income) of at least XXXX per month.<br> - Borrower has worked in same job more than 3 year. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116592 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception Approval provided p1196:<br> - Primary Mortgage or Current Rent History consider - LOX on page#1144 & provided 6 months Check on page#77, 89, 90, 97, 101, 238, hence consider 6 months.<br> The borrower has a unique arrangement with the landlord explained in detail in the attached LOE. We are not able to reach the landlord due to him being out at sea. Asking to proceed with borrower LOE and the provided documentation. <br> - Due Diligence Vendor-XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Approval provided p1196:<br> - Primary Mortgage or Current Rent History consider - LOX on page#1144 & provided 6 months Check on page#77, 89, 90, 97, 101, 238, hence consider 6 months.<br> The borrower has a unique arrangement with the landlord explained in detail in the attached LOE. We are not able to reach the landlord due to him being out at sea. Asking to proceed with borrower LOE and the provided documentation. <br> - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors: <br> - LTV less than XXXX%, AND at least XXXX% less than guideline maximum.<br> - Borrower has verified residual income (disposable income) of at least XXXX per month.<br> - Borrower has worked in same job more than 3 year. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | No |
| XXXX | 4350116593 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows one uncleared alert on high category. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116593 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 368 and the Final Closing disclosure on Pg#176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#385. An interior and exterior appraisal was completed for this property – see pg28-68, the appraisal disclosure was provided to the borrower(s)- see Pg#27, and confirmation the appraisal was delivered to the borrower – see Pg#231. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 368 and the Final Closing disclosure on Pg#176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#385. An interior and exterior appraisal was completed for this property – see pg28-68, the appraisal disclosure was provided to the borrower(s)- see Pg#27, and confirmation the appraisal was delivered to the borrower – see Pg#231. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116593 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved- - Due Diligence Vendor-XXXX <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 368 and the Final Closing disclosure on Pg#176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#385. An interior and exterior appraisal was completed for this property – see pg28-68, the appraisal disclosure was provided to the borrower(s)- see Pg#27, and confirmation the appraisal was delivered to the borrower – see Pg#231. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved- - Due Diligence Vendor-XXXX <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 368 and the Final Closing disclosure on Pg#176, Finding reflects escrows. Rate lock date was entered correctly – see Pg#385. An interior and exterior appraisal was completed for this property – see pg28-68, the appraisal disclosure was provided to the borrower(s)- see Pg#27, and confirmation the appraisal was delivered to the borrower – see Pg#231. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116594 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XXXX <br> Resolved-Corrected 1003 received to remove this account from consideration. System updated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-XXXX <br> Open-Asset Record 1 Does Not Meet G/L Requirements • The Final 1003 discloses additional assets used (section 2a) from a XXXX account of XXXX. This account was not located in the loan file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-XXXX<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XXXX <br>Resolved-Corrected 1003 received to remove this account from consideration. System updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116595 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception made for LTV > XXXX% - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Missing exception form for LTV breach - Due Diligence Vendor-XXXX |  | Waived-Exception made for LTV > XXXX% - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. No derogatory credit listed on credit history<br> 2. Residual Income is XXXX23.78. Minimum Residual Income required per guidelines is XXXX0. <br>| XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116595 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering disclosure - Due Diligence Vendor-XXXX <br> Ready for Review-XXXX acknowledges missing disclosure - Seller-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-XXXX acknowledges missing disclosure - Seller-XXXX<br>| Acknowledged-Client acknowledges missing anti-steering disclosure - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350116595 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax cert is Missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Evidence of Property Tax Tax amount listed on tax cert does not match the amount listed on the final 1003 - Due Diligence Vendor-XXXX |  | Resolved-Tax cert is Missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116595 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Initial 1003 is Missing in file - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116596 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval p375:<br> Minimum Credit score for XXXX% LTV is below 720 guideline (XXXX)<br> - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval p375:<br> Minimum Credit score for XXXX% LTV is below 720 guideline (707)<br> - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> - Borrower Housing History is 0X30, 34 months. Housing History required per guidelines is 0X30, 12 months.<br> - Borrower(s) have 21.28 months Reserves. Minimum required per guidelines is 6 months.<br> - Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x 30x 12 pay history | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116596 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception Approval p375:<br> Loan amount is below XXXXK minimum <br> Program: Loan amount is less than rate sheet / guideline / program requirements<br> - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception Approval p375:<br> Loan amount is below XXXXK minimum <br> Program: Loan amount is less than rate sheet / guideline / program requirements<br> - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> - Borrower Housing History is 0X30, 34 months. Housing History required per guidelines is 0X30, 12 months.<br> - Borrower(s) have 21.28 months Reserves. Minimum required per guidelines is 6 months.<br> - Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x 30x 12 pay history | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116597 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. ID - Seller-XXXX <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. • The Borrower's Driver's License that was provided expired on XXXX, which was before the Note Date of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. ID - Seller-XXXX<br>| Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116597 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts attached - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document shows a total of 4 High alerts, only 1 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts attached - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116598 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception Approval provided on p182: for lack of subject mortgage payment history. Original private note's text specifies monthly payments to be made. However, this was just a standard form used between family members to finalize a verbal agreement. No payments expected, and an addendum has been provided (dated XXXX) stating this. No interest accrued/listed on payoff. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval provided on p182: for lack of subject mortgage payment history. Original private note's text specifies monthly payments to be made. However, this was just a standard form used between family members to finalize a verbal agreement. No payments expected, and an addendum has been provided (dated XXXX) stating this. No interest accrued/listed on payoff. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2. Borrower(s) have 138.39 months Reserves. Minimum required per guidelines is 3 months.<br> 3. Borrower's corporation has operated since 2/2019, 6 years | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116598 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #169 and the Final Closing disclosure on Pg #79 reflects escrows. Rate lock date was entered correctly – see Pg #178 An interior and exterior appraisal was completed for this property – see Pg #32-35, the appraisal disclosure was provided to the borrower(s)- see Pg #177 and copy of the appraisal was given to the borrower – see Pg #25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #169 and the Final Closing disclosure on Pg #79 reflects escrows. Rate lock date was entered correctly – see Pg #178 An interior and exterior appraisal was completed for this property – see Pg #32-35, the appraisal disclosure was provided to the borrower(s)- see Pg #177 and copy of the appraisal was given to the borrower – see Pg #25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #169 and the Final Closing disclosure on Pg #79 reflects escrows. Rate lock date was entered correctly – see Pg #178 An interior and exterior appraisal was completed for this property – see Pg #32-35, the appraisal disclosure was provided to the borrower(s)- see Pg #177 and copy of the appraisal was given to the borrower – see Pg #25 for the copy of the disclosure. The loan meets HPML guidelines. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116599 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Updated asset page - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Gift letter for XXXX is not in the file. Have the incorrect one for XXXX - Due Diligence Vendor-XXXX |  | Resolved-Updated asset page - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116599 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Updated asset page. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Gift letter for the XXXX is missing. Have LOE in file from the borrower but no actual gift letter. - Due Diligence Vendor-XXXX |  | Resolved-Updated asset page. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116600 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #606 and the Final Closing disclosure on Pg #377 reflects escrows. Rate lock date was entered correctly – see Pg #375 An interior and exterior appraisal was completed for this property – see Pg #54-59, , and copy of the appraisal was given to the borrower – see Pg #38 for borrower received copy of the appraisal disclosure on page #619. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #606 and the Final Closing disclosure on Pg #377 reflects escrows. Rate lock date was entered correctly – see Pg #375 An interior and exterior appraisal was completed for this property – see Pg #54-59, , and copy of the appraisal was given to the borrower – see Pg #38 for borrower received copy of the appraisal disclosure on page #619. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116601 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of XXXX50 is less than the Guideline Minimum Loan Amount of XXXX000 Exception Approval provided p311: Loan amount of XXXX. Guideline minimum is XXXX. - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount of XXXX50 is less than the Guideline Minimum Loan Amount of XXXX000 Exception Approval provided p311: Loan amount of XXXX. Guideline minimum is XXXX. - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1. Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months.<br> 2. DSCR is 1.33. Minimum required per guidelines is 0.75<br> 3. Borrower(s) have 99.63 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | No |
| XXXX | 4350116602 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-received the The 1008 in file uploads - resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-received the The 1008 in file uploads - resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116602 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116603 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page # 469 for XXXX business is not reflecting legible numbers to verify exact numbers. Per the final 1003, qualified income for this business is XXXX. Provide updated lender worksheet validating this amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XXXX<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116603 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116603 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 494 and the Final Closing disclosure on page # 330-334 reflects escrows. Rate lock date was entered correctly – see page # 532. An interior and exterior appraisal was completed for this property – see page # 40-65 and the appraisal disclosure was provided to the borrower(s)- see page # 38, 39 and confirmation the appraisal was delivered to the borrower(s) - see page # 38, 39. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 494 and the Final Closing disclosure on page # 330-334 reflects escrows. Rate lock date was entered correctly – see page # 532. An interior and exterior appraisal was completed for this property – see page # 40-65 and the appraisal disclosure was provided to the borrower(s)- see page # 38, 39 and confirmation the appraisal was delivered to the borrower(s) - see page # 38, 39. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116604 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOR provided and updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. VOR – With this VOR the 6 months of payments should be sufficient - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per Guidelines required 12 months housing history. Only 6 months' rent receipt available in file on page 530-535. Provide 12 months housing history. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. VOR – With this VOR the 6 months of payments should be sufficient - Seller-XXXX<br>| Resolved-VOR provided and updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116604 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 updated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per guidelines on page 42, 3.1.10 considered primary borrower mid score. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-1008 updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116604 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116604 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-meets HPML guidelines - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 424 and the Final Closing disclosure on Pg 217, Finding reflects escrows. Rate lock date was entered correctly – see Pg 444. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg 298, and confirmation the appraisal was delivered to the borrower – see Pg 41, 42. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-meets HPML guidelines - Due Diligence Vendor-XXXX <br>Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 424 and the Final Closing disclosure on Pg 217, Finding reflects escrows. Rate lock date was entered correctly – see Pg 444. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg 298, and confirmation the appraisal was delivered to the borrower – see Pg 41, 42. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116606 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. DOT with all pages - Seller-XXXX <br>Open-The Deed of Trust is Incomplete Page 18 is missing or Signed page is missing. Required updated DOT with all page and notary. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. DOT with all pages - Seller-XXXX<br>| Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116606 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Document re-recorded to add corrective page 2 Planned Unit Development Rider and added the Planned Unit Development Rider. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. PUD Rider - Seller-XXXX <br>Open-PUD appraisal provided however, no PUD rider in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. PUD Rider - Seller-XXXX<br>| Resolved-Document re-recorded to add corrective page 2 Planned Unit Development Rider and added the Planned Unit Development Rider. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116606 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated appraisal provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Appraisal - Seller-XXXX <br>Open-As per purchase contract page 147, CD, 1008, 1003 HOA amount is collected but Appraisal report reflects as SFR, if property is a PUD, Required Updated appraisal, HOA supporting Docs and PUD Rider and if not a PUD property required updated 1003, 1008, CD with remove HOA amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Appraisal - Seller-XXXX<br>| Resolved-Updated appraisal provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116606 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Bank statement provided. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Part #1- The business Narrative is only needed at the UW discretion and Part #2-attached Bank Statement - Seller-XXXX <br> Open-01)Self employment Business Narrative is missing in the file.<br> 02) Business Bank Statement (XXXX) for the month of November-24, not covering the 30 days period , it's covered 01 to 06 only. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Part #1- The business Narrative is only needed at the UW discretion and Part #2-attached Bank Statement - Seller-XXXX<br>| Resolved-Bank statement provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116606 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX500 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Title Supp with correct loan amount - Seller-XXXX <br>Open-Title Coverage Amount of XXXX500 is Less than Loan Amount XXXX500. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Title Supp with correct loan amount - Seller-XXXX<br>| Resolved-Title Coverage Amount of XXXX500 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116607 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO is less than Guideline FICO Exception Approval In file p363:<br> Cash out refinance with a credit score below 680 - Due Diligence Vendor-XXXX |  | Waived-Audited FICO is less than Guideline FICO Exception Approval In file p363:<br> Cash out refinance with a credit score below 680 - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1. LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2. Borrower(s) have 51.58 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Mininum DSCR is .750 loan is 1.06. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116608 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO is less than Guideline FICO Exception Approval p312:<br> 1.Cashout refinance with a credit score below 680. - Due Diligence Vendor-XXXX |  | Waived-Audited FICO is less than Guideline FICO Exception Approval p312:<br> 1.Cashout refinance with a credit score below 680. - Due Diligence Vendor-XXXX<br>| XXXX |  | Compensating Factors:<br> 1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2.Borrower(s) have 94.43 months Reserves. Minimum required per guidelines is 6 months.<br> 3.Low LTV, cash out to meet reserve requirement at least 100 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116609 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Open-Audited Loan Amount of XXXX00 is less than the Guideline Minimum Loan Amount of XXXX000 Exception Approval provided p326:<br> Exception for loan amount of XXXX. Borrower is also purchasing 1 property utilizing the investor Cash Flow Loan and refinancing another property (XXXX - Refi) - Due Diligence Vendor-XXXX |  |  | XXXX |  | Borrower Housing History is 0X30, 22 months. Housing History required per guidelines is 0X30, 12 months.<br> DSCR is 1.307. Minimum required per guidelines is 0.75.<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 85 pay history. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116610 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC received. System updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Counter-These documents resolved the second issue ((2) Recording Fees of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file.). However, the first issue ((1) Transfer Taxes of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file.) wasn't addressed. Transfer taxes of XXXX appear only on the Final CD. There is no baseline from an Initial LE, Revised LE, Initial CD, or Revised CD to compare it to. COC to have the XXXX added to the Final CD is still required. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). • (1) Transfer Taxes of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. (2) Recording Fees of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-COC received. System updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116610 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC received for the increase is Recording Fees. System updated. This issue is resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-The total amount of the XXXX% category fees (XXXX) has increased by more than XXXX% over the current baseline value of (XXXX). The total amount of fees in the XXXX% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). • (1) Transfer Taxes of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. (2) Recording Fees of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-COC received for the increase is Recording Fees. System updated. This issue is resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116610 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC received for the increase is Recording Fees. System updated. This issue is resolved. - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-The total amount of the XXXX% category fees on the last Closing Disclosure (XXXX) has increased by more than XXXX% over the current baseline value of (XXXX). The total amount of fees in the XXXX% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). • (1) Transfer Taxes of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. (2) Recording Fees of XXXX on the Initial LE and the Initial CD increased to XXXX on the Final CD. No valid COC in file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-COC received for the increase is Recording Fees. System updated. This issue is resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116611 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial CD. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Resolved-Received Initial CD. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116611 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116612 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Update approval certificate received. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Counter-Approval certificate indicates subject is PUD. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. The loan was incorrectly marked as a PUD. Per appraisal, it is not in a PUD. See uploaded approval. - Buyer-XXXX <br>Open-Approval certificate indicates subject is PUD. Appraisal does not support PUD status. - Due Diligence Vendor-XXXX |  | Resolved-Update approval certificate received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116612 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount is < minimum loan amount allowed. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See the guidelines and Exception for a loan amount under XXXX - Buyer-XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of XXXX200 is less than the Guideline Minimum Loan Amount of XXXX000 - Due Diligence Vendor-XXXX |  | Waived-Audited loan amount is < minimum loan amount allowed. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower(s) have 15.65 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower has no credit lates<br> Borrower Housing History is 0X30, 18 months.  | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116613 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Gift Wire - Seller-XXXX <br>Open-Asset 5 Does Not Meet Guideline Requirements • Per a Gift Letter and the HUD-1 Settlement Statement, gift funds in the amount of XXXX were used. File is missing the wire receipt (or other evidence) that the funds were received. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gift Wire - Seller-XXXX<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116614 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Ready for Review-The standard tax rate of XXXX% of the purchase price was used for the property tax amount - Buyer-XXXX <br>Open-Missing Evidence of Property Tax Evidence of Property Tax is missing in file. - Due Diligence Vendor-XXXX |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116614 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-Title Coverage Amount of XXXX is Less than Loan Amount E-mail and title letter with amount is missing from the file as well. Need the coverage amount. - Due Diligence Vendor-XXXX |  | Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116615 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement cost estimator received. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX000 is equal to or greater than Required Coverage Amount of XXXX546 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Hazard Insurance Coverage Amount of XXXX000 is less than Required Coverage Amount of XXXX000 and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance Coverage to cover the loan amount of XXXX or provide the Replacement Cost Estimator used. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Replacement cost estimator received. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX000 is equal to or greater than Required Coverage Amount of XXXX546 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116615 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per Guideline page #45, "First-time investors' LTV is not to exceed XXXX%." However, the audited LTV is XXXX%. An exception allowing an XXXX% LTV for a first-time investment property owner is documented on page #341 - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per Guideline page #45, "First-time investors' LTV is not to exceed XXXX%." However, the audited LTV is XXXX%. An exception allowing an XXXX% LTV for a first-time investment property owner is documented on page #341 - Due Diligence Vendor-XXXX<br>| XXXX |  | Credit Score is 799. Minimum required per guidelines is 720.<br> Borrower(s) have 73.32 months Reserves. Minimum required per guidelines is 6 months.<br> DSCR is 1.169. Minimum required per guidelines is 1. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116617 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Received updated DSCR worksheet. DSCR confirmed 1.32. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Counter-Received previously submitted DSCR worksheet. Worksheet has HOA fees listed for XXXX without any documentation in file to support this amount. 1008 in file does not show a XXXX HOA fee but the DSCR worksheet does. Need to confirm the PITIA used for the DSCR calculation. Provide HOA statement for XXXX if applicable. If there is not a HOA due for XXXX, provide corrected DSCR worksheet to match 1008. Countered <br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide updated DSCR worksheet to verify the total PITIA used. Worksheet contains HOA dues for XXXX but no additional documentation provided to support this value. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received updated DSCR worksheet. DSCR confirmed XXXX. Resolved - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116617 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Received replacement cost estimator. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX406 is equal to or greater than Required Coverage Amount of XXXX406 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Hazard Insurance Coverage Amount of XXXX406 is less than Required Coverage Amount of XXXX0000 and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance sufficient to cover the loan amount of XXXX or provide replacement cost estimator used. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received replacement cost estimator. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX406 is equal to or greater than Required Coverage Amount of XXXX406 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116619 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Final DoT provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The Deed of Trust is Missing We have two borrowers on the loan, and the note is signed by both borrowers. However, the Deed of Trust is signed by only one borrower. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Final DoT provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116620 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116621 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception on page #338.<br> "Reserves require 9 months. Have 2+ months currently." - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Waived-Exception on page #338.<br> "Reserves require 9 months. Have 2+ months currently." - Due Diligence Vendor-XXXX<br>| XXXX |  | (1) Borrower has worked in same job more than 3 years.<br> (2) Credit Score is 743. Minimum required per guidelines is 740.<br> (3) Borrower Housing History is 0X30X24 months. Housing History required per guidelines is 0X30, 12 months.<br> (4) Current cash outflow is XXXXK monthly . This debt-consolidation will reduce outflow to XXXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116621 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception In file on page #338.<br> "Request exception to the LTV Allowable of XXXX% on Primary Residence Cash out. Requesting XXXX% LTV" - Due Diligence Vendor-XXXX |  | Waived-Audited LTV Exceeds Guideline LTV Exception In file on page #338.<br> "Request exception to the LTV Allowable of XXXX% on Primary Residence Cash out. Requesting XXXX% LTV" - Due Diligence Vendor-XXXX<br>| XXXX |  | (1) Borrower has worked in same job more than 3 years.<br> (2) Credit Score is 743. Minimum required per guidelines is 740.<br> (3) Borrower Housing History is 0X30X24 months. Housing History required per guidelines is 0X30, 12 months.<br> (4) Current cash outflow is XXXXK monthly . This debt-consolidation will reduce outflow to XXXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116623 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br>Waived-Exception Approval provided p463 for Property consisting of two parcels separated by a road. One parcel has the main home. The other one (across the road) has a garage that also includes a permitted, but not finished residential dwelling (currently, it is only studded for future use). The property does not meet Fannie Mae guidelines for multiple parcel properties (lot acres the road is buildable & has a structure that is partially finished as a residential unit. - Due Diligence Vendor-XXXX |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XXXX <br>Waived-Exception Approval provided p463 for Property consisting of two parcels separated by a road. One parcel has the main home. The other one (across the road) has a garage that also includes a permitted, but not finished residential dwelling (currently, it is only studded for future use). The property does not meet Fannie Mae guidelines for multiple parcel properties (lot acres the road is buildable & has a structure that is partially finished as a residential unit. - Due Diligence Vendor-XXXX<br>| XXXX |  | Credit Score is 762. Minimum required per guidelines is 740.<br> Borrower(s) have 13.44 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower has worked in same industry more than 5 years. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116624 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116624 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested Third Party Fraud Report Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116625 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Received RCE. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX000 is equal to or greater than Required Coverage Amount of XXXX237 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached RCE - Seller-XXXX <br>Open-Hazard Insurance Coverage Amount of XXXX000 is less than Required Coverage Amount of XXXX2500 and Guaranteed Replacement Coverage indicator is 'No' Provide hazard insurance sufficient to cover loan amount of XXXX or provide replacement cost estimator used. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached RCE - Seller-XXXX<br>| Resolved-Received RCE. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXX000 is equal to or greater than Required Coverage Amount of XXXX237 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116625 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116626 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-"Exception to allow 11.9 months of reserves vs 12 month guideline." - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-• Loan is short assets for reserves. Total Assets verified in file is XXXX. Minus XXXX for Cash to Close leaves XXXX post-close for reserves. Total Reserves needed is 12 months (loan amount over XXXXMM) or XXXX PITIA x 12 = XXXX. Therefore, the loan is short reserves by XXXX. Note: The shortage in reserves appears to come from the Sale of the Departing Primary Residence. The Final 1030 states assets of XXXX. However, per the Certified True & Correct Final HUD-1 for the sale of the property shows funds due to the seller of only XXXX. - Due Diligence Vendor-XXXX |  | Waived-"Exception to allow 11.9 months of reserves vs 12 month guideline." - Due Diligence Vendor-XXXX<br>| XXXX |  | (1) Number of Years on the job.<br> (2) High Discretionary Income.<br> (3) Housing History is 0x30x12+<br> (4) FICO score of 782 exceeds the minimum of 760 by 22 points. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350116626 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present in the loan file. Corrected PCCD, 1008, IEADS, and Payment Letter received and evidence it was sent to the borrower. Issue resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Ready for Review-Document Uploaded. Please see attached and note on EOI in package reflecting a total billed annual premium of XXXX4.92 - Buyer-XXXX <br>Open-Hazard Insurance Policy Partially Provided • Per the 1008, IEADS, Payment Letter to Borrower and Final CD, the Hazard Insurance amount is XXXX annual (XXXX monthly). However, per the Insurance Document provided (issued XXXX), the Annual Premium was XXXX (XXXX monthly). Either there is a different Insurance doc to validate the XXXX amount, or the 1008, IEADS, Payment Letter to Borrower, and the Final CD are incorrect. - Due Diligence Vendor-XXXX |  | Resolved-Hazard Insurance Policy is fully present in the loan file. Corrected PCCD, 1008, IEADS, and Payment Letter received and evidence it was sent to the borrower. Issue resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116627 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Wire proof for XXXXK gift funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Gift Funds - Seller-XXXX <br>Open-Asset Record 3 Does Not Meet G/L Requirements proof of gift funds received for XXXX as it is not in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gift Funds - Seller-XXXX<br>| Resolved-Wire proof for XXXXK gift funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116627 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Requested Proof of EMD Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. EMD receipt Attached - Seller-XXXX <br>Open-Proof of documentation for EMD amount of XXXX as it is not in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. EMD receipt Attached - Seller-XXXX<br>| Resolved-Requested Proof of EMD Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116627 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-received business narrative - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Business Narrative - Seller-XXXX <br>Open-Provide self-employment business narrative for B2 to determine ownership percentage, nature of business and no of employees for income calculation. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Business Narrative - Seller-XXXX<br>| Resolved-received business narrative - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116627 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Income Calculations - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page # 379 shows B1 qualifying income as XXXX 1003/1008 show XXXX<br> Lender income calculation worksheet on page #378 shows B2 qualifying income as XXXX. 1003/1008 show XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income Calculations - Seller-XXXX<br>| Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116628 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-New 1003/1008 received. Lender's new DTI of XXXX% is within XXXX% of the audit's XXXX% DTI. Within tolerance. Issue resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1003/1008 updated - Seller-XXXX <br> Counter-Calculations still do not add up. Per the 1008, "All Other Monthly Payments Used in Qualifying" is XXXX. Per the Final 1003, total expenses are Credit Debts of XXXX + XXXX + XXXX + XXXX + XXXX (unverified on any credit report) = XXXX; and mortgage expenses for XXXX Drive of XXXX + XXXX + XXXX = XXXX. That is a total of XXXX. The difference between the 1008 amount and the 1003 amount is XXXX, which is the exact amount of the XXXX Drive calculation. Therefore, XXXX expenses was counted twice on the 1008.<br> . - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1003/1008 - Seller-XXXX <br> Open-• DTI discrepancy due to expenses. Per the Final 1003, Credit expenses per the Credit Report in section 2c are XXXX (XXXX + XXXX + XXXX + XXXX). And in Section 3a expenses from another REO are XXXX (XXXX + XXXX + XXXX). That's a total of XXXX in Other Debt Expenses. The 1008 lists "All Other Monthly Payments Used in Qualifying" as XXXX. Unable to determine the source of the variance in expenses. Either the 1008 is incorrect, or there is debt expenses missing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1003/1008 updated - Seller-XXXX <br>Ready for Review-Document Uploaded. 1003/1008 - Seller-XXXX<br>| Resolved-New 1003/1008 received. Lender's new DTI of XXXX% is within XXXX% of the audit's XXXX% DTI. Within tolerance. Issue resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116628 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document shows a total of 8 High alerts, only 6 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116628 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Updated DOT with PUD rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Recorded DOT with PUD Rider - Seller-XXXX <br>Open-PUD Rider is Missing • The complete executed Deed of Trust & accompanying PUD Rider is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Recorded DOT with PUD Rider - Seller-XXXX<br>| Resolved-Updated DOT with PUD rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116628 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated DOT with PUD rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Recorded DOT with PUD Rider - Seller-XXXX <br>Open-The Deed of Trust is Missing • The complete executed Deed of Trust & accompanying PUD Rider is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Recorded DOT with PUD Rider - Seller-XXXX<br>| Resolved-Updated DOT with PUD rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116628 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of XXXX000 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XXXX <br>Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XXXX <br>Open-Title Coverage Amount of XXXX000 is Less than Loan Amount • Title Coverage Amount per the Title Commitment of XXXX is Less than Loan Amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of XXXX000 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XXXX <br>Resolved-Title Coverage Amount of XXXX000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116629 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #577 and the Final Closing disclosure on Pg #170 reflects escrows. Rate lock date was entered correctly – see Pg #167 An interior and exterior appraisal was completed for this property – see Pg #48-54, the appraisal disclosure was provided to the borrower(s)- see Pg #639 and copy of the appraisal was given to the borrower – see Pg #41 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #577 and the Final Closing disclosure on Pg #170 reflects escrows. Rate lock date was entered correctly – see Pg #167 An interior and exterior appraisal was completed for this property – see Pg #48-54, the appraisal disclosure was provided to the borrower(s)- see Pg #639 and copy of the appraisal was given to the borrower – see Pg #41 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116630 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report Uploaded in 'The Deed of Trust is Missing' Finding - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Requested 3rd Party Fraud Report Provided Hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Ready for Review-Please see the attached - Seller-XXXX <br>Open-Missing Third Party Fraud Report Provide Fraud Report. - Due Diligence Vendor-XXXX | Ready for Review-Please see the attached - Seller-XXXX<br>| Resolved-Fraud Report Uploaded in 'The Deed of Trust is Missing' Finding - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Requested 3rd Party Fraud Report Provided Hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116630 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested Missing Deed of Trust Document Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached the Deed of Trust and the Fraud Report, I might have forgotten to attach to the other condition - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached the Deed of Trust and the Fraud Report, I might have forgotten to attach to the other condition - Seller-XXXX<br>| Resolved-Requested Missing Deed of Trust Document Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116631 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion calculator for Borrower 1 provided. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion calculator for Borrower 1. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset Depletion calculator for Borrower 1 provided. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116631 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | FICO score does not meet guidelines | Waived-Exception provided for Borrower 2 not having a credit score found in Findings XXXX - Due Diligence Vendor-XXXX <br>Ready for Review-Exception Provided for "Exception is for B2 having zero credit - B1 who has much higher income does have the qualifying mid-score", Recommends waiving. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Open-Borrowers with a zero credit score are not eligible. FICO scores for Borrower 2 not provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Waived-Exception provided for Borrower 2 not having a credit score found in Findings XXXX - Due Diligence Vendor-XXXX<br>| XXXX |  | Credit Score is 743. Minimum required per guidelines is 740.<br> Borrower(s) have 55.73 months Reserves. Minimum required per guidelines is 6 months.<br> Guidelines require 0x30x12 for on-time mortgage payments. Borrower has 0x30x24. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-resolved - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: 3590<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: 3600.80<br> ICD: XXXX: APR: XXXX%, Lender credit 3600.80<br> Final CD: XXXX: APR XXXX% Lender credit: 3600.80<br>- Seller-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded-The disclosed APR (0.0) is lower than the actual APR (8.739) by more than .XXXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXXX% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Final CD is missing in the file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: XXXX<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: 3600.80<br> ICD: XXXX: APR: XXXX%, Lender credit XXXX<br> Final CD: XXXX: APR XXXX% Lender credit: XXXX<br>- Seller-XXXX | Resolved-resolved - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded-The disclosed APR (0.0) is lower than the actual APR (8.739) by more than .XXXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXXX% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Final CD is missing in the file. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-resolved - Due Diligence Vendor-XXXX <br>Resolved- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: 3590<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: 3600.80<br> ICD: XXXX: APR: XXXX%, Lender credit 3600.80<br> Final CD: XXXX: APR XXXX% Lender credit: 3600.80 - Seller-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Final CD is missing in the file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: XXXX<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: XXXX<br> ICD: XXXX: APR: XXXX%, Lender credit XXXX<br> Final CD: XXXX: APR XXXX% Lender credit: XXXX - Seller-XXXX | Resolved-resolved - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Final CD is missing in the file. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Fees were updated, there is only a variance of .20 which is within tolerance limits. - Due Diligence Vendor-XXXX <br> Resolved- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase XXXX and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: 3590<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: 3600.80<br> ICD: XXXX: APR: XXXX%, Lender credit 3600.80<br> Final CD: XXXX: APR XXXX% Lender credit: 3600.80 - Seller-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-A lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Provide COC to cure the tolerance - Due Diligence Vendor-XXXX <br> Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of (XXXX), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Compliance Response: Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. Just about NMLS, and I attached the NMLS showing that the LO is licensed.<br> LE issued XXXX: APR: XXXX% and Lender credit: XXXX<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: XXXX<br> ICD: XXXX: APR: XXXX%, Lender credit XXXX<br> Final CD: XXXX: APR XXXX% Lender credit: XXXX - Seller-XXXX | Resolved-Fees were updated, there is only a variance of .20 which is within tolerance limits. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). .20 difference, acceptable and within tolerance. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Compliance Response: This condition does not make sense. Below is listed of how the loan was disclosed, the last CD is XXXX and the credit is XXXX0.80. I explained in the previous email below how the Lender credit increased because of the loan amount. I disagree with this condition.<br> LE issued XXXX: APR: XXXX% and Lender credit: XXXX<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit:XXXX<br> ICD: XXXX: APR: XXXX%, Lender credit XXXX<br> Final CD: XXXX: APR XXXX% Lender credit: XXXX<br> I do not agree with the findings below.<br> Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. - Seller-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Plese provide CoC. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Rescinded- - Due Diligence Vendor-XXXX <br> Rescinded-Decreased amount is 0.20 and it's less than XXXX - Due Diligence Vendor-XXXX <br> Rescinded- - Due Diligence Vendor-XXXX <br> Rescinded- - Due Diligence Vendor-XXXX <br> Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Decreased amount is 0.20 and it's less than XXXX - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Compliance Response: This condition does not make sense. Below is listed of how the loan was disclosed, the last CD is XXXX and the credit is XXXX0.80. I explained in the previous email below how the Lender credit increased because of the loan amount. I disagree with this condition.<br> LE issued XXXX: APR: XXXX% and Lender credit: XXXX<br> Revised LE: XXXX: Loan amount increased, APR: XXXX% Lender credit: XXXX<br> ICD: XXXX: APR: XXXX%, Lender credit XXXX<br> Final CD: XXXX: APR XXXX% Lender credit: XXXX<br> I do not agree with the findings below.<br> Based on the history of disclosure, the Lender credit did not increase 23.03 and the APR is incorrect. It only increased XXXX because of the loan amount change. Also, the finding on the investor mavent does not imply any issue with APR or Finance Charges. - Seller-XXXX | Resolved-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). .20 difference, acceptable and within tolerance. - Due Diligence Vendor-XXXX <br>Rescinded-Decreased amount is 0.20 and it's less than XXXX - Due Diligence Vendor-XXXX <br>Rescinded- - Due Diligence Vendor-XXXX <br>Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Decreased amount is 0.20 and it's less than XXXX - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | License: Loan Originator | Open- - Due Diligence Vendor-XXXX <br> Resolved- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Resolved-Authorized to represent XXXX group. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Resolved-Authorized to represent XXXX group. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Licensing Response - Seller-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Rescinded-A relationship between XXXl (XXXX) and the company (XXXX) does not exist in the NMLS Consumer Access as of XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. Per NMLS portal, Loan origination company and loan officer are licensed in the state of XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Licensing Response - Seller-XXXX<br>| Resolved- - Due Diligence Vendor-XXXX <br>Resolved-Authorized to represent XXXX group. - Due Diligence Vendor-XXXX <br>Resolved-Authorized to represent XXXX group. - Due Diligence Vendor-XXXX <br>Rescinded-A relationship between XXXX XXXX (XXXX) and the company (Company NMLS ID:XXXX) does not exist in the NMLS Consumer Access as of 2025-07-14. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. Per NMLS portal, Loan origination company and loan officer are licensed in the state of MO. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Final CD - Seller-XXXX <br> Open-TRID: Missing Final Closing Disclosure Final closing disclosure for XXXX is missing from file. Subject to compliance findings after all disclosures are validated and entered. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final CD - Seller-XXXX<br>| Resolved-Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title document provided. Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s).<br> - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Prelim for loan amount - Seller-XXXX <br> Open-Title Coverage Amount of XXXX150 is Less than Loan Amount As per GL version XXXX page 11, Title coverage amount must at least equal the original principal amount of the mortgage but provided title Coverage amount of XXXX150 is less than loan Amount XXXXXXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Prelim for loan amount - Seller-XXXX<br>| Resolved-Updated Title document provided. Title Coverage Amount of XXXX915 is equal to or greater than Total Amount of Subject Lien(s).<br> - Due Diligence Vendor-XXXX <br>Resolved-Title Coverage Amount of XXXX915 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) with acceptable score provided.<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 As per GL version XXXX page 84, Required Secondary Valuation but it's missing in the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) with acceptable score provided.<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116632 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. per GLs primary wage earner mid score<br> - Due Diligence Vendor-XXXX |  | Resolved-Qualifying FICO on the 1008 Page is '716' or blank, but the Qualifying FICO from the Credit Liabilities Page is '749' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '716' or blank, but the Qualifying FICO from the Credit Liabilities Page is '749' or blank. Qualifying FICO entries do not match. per GLs primary wage earner mid score<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116633 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document shows a total of 6 High alerts, only 4 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116635 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received settlement statement for prior purchase. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Provide the HUD-1/Closing Disclosure for the original purchase transaction to confirm that no mortgage financing was used to obtain the subject property. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Received settlement statement for prior purchase. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116635 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Received bank statement for prior purchase. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Provide documentation for the sources of funds used for the all cash prior purchase of the subject property. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received bank statement for prior purchase. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116635 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property listed for sale in past 12 months | Waived-Per Guideline XXXX, page #44, The property must be owned for greater than or equal to 6 months, Borrower purchased property for all cash in XXXX, However exception provided on page #560 - Allow a cash out refinance with less than 6 months seasoning and loan amount under XXXX. <br> - Due Diligence Vendor-XXXX |  | Waived-Per Guideline XXXX, page #44, The property must be owned for greater than or equal to 6 months, Borrower purchased property for all cash in XXXX, However exception provided on page #560 - Allow a cash out refinance with less than 6 months seasoning and loan amount under XXXX. <br> - Due Diligence Vendor-XXXX<br>| XXXX |  | Credit Score is 761. Minimum required per guidelines is 700.<br> Borrower(s) have 92.67 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116635 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Open-Audited Loan Amount of XXXX00 is less than the Guideline Minimum Loan Amount of XXXX000 Per Guideline XXXX, page #53, the minimum loan amount is XXXX. The current loan amount is XXXX. However, an exception provided on page #560 allows a Loan amount is less than rate sheet / guideline / program requirements. - Due Diligence Vendor-XXXX |  |  | XXXX |  | Credit Score is 761. Minimum required per guidelines is 700.<br> Borrower(s) have 92.67 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | No |
| XXXX | 4350116636 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC to cure tolerance. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX <br>Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of (XXXX), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of (XXXX), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of (XXXX), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC to cure the tolerance for the increased Recording Fee/Mortgage Deed of Trust. Base was XXXX. Last CD has fee of #XXXX. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received COC to cure tolerance. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116636 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Received updated HOA documents. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents Provide documentation used to support HOA monthly payment in the amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received updated HOA documents. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116636 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX%. Exception in file on page#718 allowing LTV of XXXX% for a cash-out refinance. - Due Diligence Vendor-XXXX <br> Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX%. Exception in file on page#718 allowing LTV of XXXX% for a cash-out refinance. - Due Diligence Vendor-XXXX <br> Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per Matrix dated XXXX on page#34,Audited LTV of XXXX% exceeds Guideline LTV of XXXX%.<br> Exception in file on page#718.<br> LTV of XXXX% for a cash-out refinance using Alt Doc business bank statement income - Due Diligence Vendor-XXXX |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX%. Exception in file on page#718 allowing LTV of XXXX% for a cash-out refinance. - Due Diligence Vendor-XXXX <br>Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX%. Exception in file on page#718 allowing LTV of XXXX% for a cash-out refinance. - Due Diligence Vendor-XXXX <br>Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per Matrix dated 05.05.2025 on page#34,Audited LTV of XXXX% exceeds Guideline LTV of XXXX%.<br> Exception in file on page#718.<br> LTV of XXXX% for a cash-out refinance using Alt Doc business bank statement income - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower(s) have 58.11 months Reserves. Minimum required per guidelines is 9 months.<br> Residual Income is XXXX. Minimum Residual Income required per guidelines is XXXX. <br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116636 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116636 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Condition raised for "Housing History Does Not Meet Guideline Requirements Provide VOM to verify 12 Months Housing History for both mortgages on the subject property." but Borrower's Primary mortgages is on Husband's name who is liable of making mortgage payments hence considered Borrower as living no primary expenses, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review- <br>Both mortgage names paid off seemed to be sources that'd report on credit, but it looks like they didn't appear because they aren't the borrower's. Both payoffs show just the name of the other owner of the property, so we can payoff what are the liens on the property, but if the last loans weren't in our borrower's name, then she was not obligated. So that prior history is not part of the borrower's credit.<br>- Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide VOM to verify 12 Months Housing History for both mortgages on the subject property.<br> - Due Diligence Vendor-XXXX | Ready for Review- <br>Both mortgage names paid off seemed to be sources that'd report on credit, but it looks like they didn't appear because they aren't the borrower's. Both payoffs show just the name of the other owner of the property, so we can payoff what are the liens on the property, but if the last loans weren't in our borrower's name, then she was not obligated. So that prior history is not part of the borrower's credit.<br>- Seller-XXXX<br>| Resolved-Condition raised for "Housing History Does Not Meet Guideline Requirements Provide VOM to verify 12 Months Housing History for both mortgages on the subject property." but Borrower's Primary mortgages is on Husband's name who is liable of making mortgage payments hence considered Borrower as living no primary expenses, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116637 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Photo Identification Type Missing | Resolved-Borrower 3 Photo Identification Renewal document provided. Updated & resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Updated ID - Seller-XXXX <br>Open-Borrower 3 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 3 Drivers' licenses expired prior to closing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated ID - Seller-XXXX<br>| Resolved-Borrower 3 Photo Identification Renewal document provided. Updated & resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116637 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 3 Paystubs Less Than 1 Month Provided | Resolved-Requested WVOE Provided that covers requirement of 1 Month of Paystubs, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. WVOE paystub not needed - Seller-XXXX <br>Open-Borrower 3 Paystubs Less Than 1 Month Provided As per GL version XXXX page 53, The borrower's most recent pay stubs reflecting 30 days of pay is required but Borrower 3 pay stub on page 478 not covering 30 days period. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. WVOE paystub not needed - Seller-XXXX<br>| Resolved-Requested WVOE Provided that covers requirement of 1 Month of Paystubs, Updated & Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116638 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Mavent updated with the below information. Mavent TRID review now passes. Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-On the initial CD the lender credit is from a cure for costs subject to the XXXX% threshold being over the limit.<br>Title fees subsequently decreased causing the cure to go down below the XXXX% limit. <br> - Seller-XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). • The Lender Credit decreased from XXXX on the Initial CD XXXX to XXXX on the Final CD XXXX. A Change of Circumstance (COC) was not provided. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-On the initial CD the lender credit is from a cure for costs subject to the XXXX% threshold being over the limit.<br>Title fees subsequently decreased causing the cure to go down below the XXXX% limit. <br> - Seller-XXXX<br>| Resolved-Mavent updated with the below information. Mavent TRID review now passes. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116638 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Evidence of Rate Lock Missing • Evidence of the Rate Lock & Date is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116640 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business purpose/occupancy disclosure provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Provided notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Business purpose/occupancy disclosure provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116640 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Requested Clarification provided on EIN as Borrower is a Sole proprietor of LLC which we verified from Operating Agreement on page #249, updated SSN as EIN & Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Sole proprietorship. Uses borrower's SSN - Seller-XXXX <br> Open-Provide IRS issued EIN number for XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Sole proprietorship. Uses borrower's SSN - Seller-XXXX<br>| Resolved-Requested Clarification provided on EIN as Borrower is a Sole proprietor of LLC which we verified from Operating Agreement on page #249, updated SSN as EIN & Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116641 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Borrower 1 W2/1099 Missing • All income docs (paystubs, W2s, WVOE, VVOE, etc) from Borrower 1, a Northpointe employee, is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116641 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Borrower 1 Paystubs Missing • All income docs (paystubs, W2s, WVOE, VVOE, etc) from Borrower 1, a Northpointe employee, is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116641 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation sheet for B1's Commission income provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Lender Income Worksheet missing for Borrower 1 Commission income. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested Income Calculation sheet for B1's Commission income provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116641 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property or house size is outside of guidelines | Waived-Exception available on page #750:<br> "The unit is just under the required gross living area required for non-warrantable condo. The subject is XXXXsf, the guideline requires 475 sf." - Due Diligence Vendor-XXXX |  | Waived-Exception available on page #750:<br> "The unit is just under the required gross living area required for non-warrantable condo. The subject is XXXX, the guideline requires XXXX sf." - Due Diligence Vendor-XXXX | XXXX |  | 1. Borrower Housing History is 0x30x31 months. Housing History required per guidelines is 0x30x12 months.<br> 2. Credit Score is 797. Minimum required per guidelines is 740.<br> 3. DTI is XXXX%. Maximum allowed per guidelines is XXXX%. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116642 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested 1003 Initial Document Provided, Updated & Condition Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The Initial 1003 is Missing Provide Initial signed 1003. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested 1003 Initial Document Provided, Updated & Condition Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116643 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approval in file p427.<br> Exception for 12th Investor Cash Flow loan outstanding concurrently. - Due Diligence Vendor-XXXX |  | Waived-Loan does not conform to program guidelines Exception Approval in file p427.<br> Exception for 12th Investor Cash Flow loan outstanding concurrently. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history <br> DSCR is 1.15. Minimum required per guidelines is 0.75.<br> Borrower Housing History is 0X30X24 months. Housing History required per guidelines is 0X30, 12 months.<br>| XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116644 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested HOA Questionnaire Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-HOA Questionnaire is Missing or Partial. Provided Condo Questionnaire. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested HOA Questionnaire Provided, Updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350116645 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof of Gift funds provided, updated & Condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of Gift funds in the amount of XXXX was deposited. Proof of deposit is required. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Proof of Gift funds provided, updated & Condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116645 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Requested 2 Months of Statement provided for asset 1, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Asset Record 1 Does Not Meet G/L Requirements Provide XXXX bank statement XXXX in the amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested 2 Months of Statement provided for asset 1, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116646 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculator provided for Asset Depletion income, updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income worksheet for Asset Depletion. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested Income Calculator provided for Asset Depletion income, updated & Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116646 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-According to the Matrix dated XXXX on page #22, the asset depletion calculation must meet or exceed XXXX% of the borrower's total gross income. However, an exception has been approved for supplemental asset depletion under this threshold, totaling XXXX% of the borrower's gross income, as documented on page #375. - Due Diligence Vendor-XXXX |  | Waived-According to the Matrix dated XXXX on page #22, the asset depletion calculation must meet or exceed XXXX% of the borrower's total gross income. However, an exception has been approved for supplemental asset depletion under this threshold, totaling XXXX% of the borrower's gross income, as documented on page #375. - Due Diligence Vendor-XXXX<br>| XXXX |  | LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is 746. Minimum required per guidelines is 740.<br> Borrower(s) have 42.44 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116649 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Property owned by LLC and being transferred to borrower, won't be on credit report yet. - Due Diligence Vendor-XXXX <br>Ready for Review-The property is owned by the borrowers LLC and being transferred to the individual borrowers name during this transaction. The property is not listed on the credit report since the LLC that is owned by the borrower is its own entity. - Buyer-XXXX <br>Open-Property listed as owned by borrower, but Title shows owned by LLC, also property not listed on credit report. - Due Diligence Vendor-XXXX |  | Resolved-Property owned by LLC and being transferred to borrower, won't be on credit report yet. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Rate and Term | XXXX | N/A | N/A |
| XXXX | 4350116649 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-Missing Evidence of Property Tax Evidence of Property Tax is missing in file, DTIs not in line and subject to further findings. - Due Diligence Vendor-XXXX |  | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Rate and Term | XXXX | N/A | N/A |
| XXXX | 4350116650 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of XXXX50 is less than the Guideline Minimum Loan Amount of XXXX000 Per Guideline dated XXXX, page #53, the minimum loan amount is XXXX. However, the audited loan amount is XXXX. An exception for loan amount is below XXXX is documented on page 463. - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount of XXXX50 is less than the Guideline Minimum Loan Amount of XXXX000 Per Guideline dated XXXX, page #53, the minimum loan amount is XXXX. However, the audited loan amount is XXXX. An exception for loan amount is below XXXX is documented on page 463. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower(s) have 96 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> DSCR is 1.69. Minimum required per guidelines is 0.75 | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116652 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | XXXX - Rate Spread Home Loan (First Lien XXXX)(Conforming) | Acknowledged-The loan's (XXXX%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) The loan's APR of XXXX% meets or exceeds the XXXX Rate Spread Home Loan threshold for first-lien conforming loans, which is XXXX%. This threshold is calculated by adding 1.5 percentage points to the applicable Average Prime Offer Rate (APOR) as of the last date the interest rate is set before consummation. For this closed-end loan secured by a 1–4 unit dwelling, the comparable APOR is XXXX%. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Acknowledged-The loan's (XXXX%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX%).(XXXX Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) The loan's APR of XXXX% meets or exceeds the XXXX Rate Spread Home Loan threshold for first-lien conforming loans, which is XXXX%. This threshold is calculated by adding 1.5 percentage points to the applicable Average Prime Offer Rate (APOR) as of the last date the interest rate is set before consummation. For this closed-end loan secured by a 1–4 unit dwelling, the comparable APOR is XXXX%. - Due Diligence Vendor-XXXX<br>| XXXX |  | Client acknowledges as immaterial. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | No |
| XXXX | 4350116652 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Deficient Income Documentation | Waived-Per Guideline XXXX, page #21, Income received by borrower from a note receivable or other substantially similar receivable is eligible so long as the underwriter determines that the income is stable and is reasonably expected to continue borrower has received for the prior 12 months. However exception provided on page #423 to allow the use of note receivable income with slightly less than 3 years remaining. - Due Diligence Vendor-XXXX |  | Waived-Per Guideline XXXX, page #21, Income received by borrower from a note receivable or other substantially similar receivable is eligible so long as the underwriter determines that the income is stable and is reasonably expected to continue borrower has received for the prior 12 months. However exception provided on page #423 to allow the use of note receivable income with slightly less than 3 years remaining. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%. <br> Borrower has worked in same industry more than 20 years. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116652 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #387 and the Final Closing disclosure on Pg #173 reflects escrows. Rate lock date was entered correctly – see Pg #147 An interior and exterior appraisal was completed for this property – see Pg #50-60, the appraisal disclosure was provided to the borrower(s)- see Pg #408 and copy of the appraisal was given to the borrower – see Pg #40 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #387 and the Final Closing disclosure on Pg #173 reflects escrows. Rate lock date was entered correctly – see Pg #147 An interior and exterior appraisal was completed for this property – see Pg #50-60, the appraisal disclosure was provided to the borrower(s)- see Pg #408 and copy of the appraisal was given to the borrower – see Pg #40 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116657 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Have LOE an d borrower has a continuance of large deposits into account. - Due Diligence Vendor-XXXX <br>Ready for Review-We used the LOE previously provided and did not require additional documentation for these 3 deposits since this is a business account with a history of large deposits. If this is not enough to clear the condition please exclude the 3 deposits mentioned and update the DTI to XXXX%. - Seller-XXXX <br>Counter-This does not provide any mention to the deposit amount and dates of the deposits. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-Need documentation for deposits in amount of 282,577.92, 397,950 in April 2025 and 339,119.75 2/25. - Due Diligence Vendor-XXXX | Ready for Review-We used the LOE previously provided and did not require additional documentation for these 3 deposits since this is a business account with a history of large deposits. If this is not enough to clear the condition please exclude the 3 deposits mentioned and update the DTI to XXXX%. - Seller-XXXX<br>| Resolved-Have LOE an d borrower has a continuance of large deposits into account. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116657 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Received exception for cash out exceeding guidelines. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-Cash Out is not completed according to the guideline requirements Based on guidelines cash out exceeds guidelines. - Due Diligence Vendor-XXXX |  | Waived-Received exception for cash out exceeding guidelines. - Due Diligence Vendor-XXXX<br>| XXXX |  | LTV is at 58.14 and max LTV can be at XXXX%<br> DTI is at 14.29 and can go up to XXXX% <br> Credit score is at 807 and all that is required is 760 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116657 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Missing Evidence of Property Tax Subject Property Tax cert is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350116658 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing title documentation and/or endorsements | Resolved-Ownership percentage provided in Exhibit A of Grant Deed. Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached and Grant Deed exhibit A - Seller-XXXX <br>Open-Per Approval, Prelim Title misisng Tenancy in common verbiage. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached and Grant Deed exhibit A - Seller-XXXX<br>| Resolved-Ownership percentage provided in Exhibit A of Grant Deed. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116658 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | TRID | Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person | Resolved-COC provided for XXXX CD and CD acknowledged and accepted as initial CD beginning 3 day wait. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Please see response to the conditions similar to this one. The CD you are referring to issued XXXX is a PCCD - Buyer-XXXX <br>Open-The Last Closing Disclosure was provided on (XXXX) via (Other), which is not at least 6 business days before the consummation date of (XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XXXX) is inaccurate when compared to the actual APR of (7.877). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The most recent Closing Disclosure was provided on XXXX, via Other, which is not at least 6 business days prior to the scheduled consummation date of XXXX. Additionally, the APR of XXXX% disclosed on the prior Closing Disclosure dated XXXX is inaccurate when compared to the APR of XXXX% disclosed on the most recent Closing Disclosure. Pursuant to Regulation Z, if the APR is inaccurate, a corrected Closing Disclosure must be provided to the consumer no later than 3 business days prior to consummation. If the corrected disclosure is not provided in person, it is deemed received by the consumer three business days after it is mailed or delivered—unless there is documented evidence of earlier receipt. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-COC provided for XXXX CD and CD acknowledged and accepted as initial CD beginning 3 day wait. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116658 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR) | Resolved-COC provided for XXXX CD and CD acknowledged and accepted as initial CD beginning 3 day wait. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-The initial CD was issued and acknowledged on XXXX, which began the wait period to sign. The CD XXXX did not create a new 3day wait period since it did not create any of the 3 circumstances needed for that. The borrower signed closing docs XXXX and the loan funded XXXX. After closing/funding on XXXX the Post close CD (PCCD) on page 609 of the original package was issued. Also, on page 429 the APR on XXXX is XXXX%, and on the XXXX PCCD pg 612 reflects at XXXX% - Seller-XXXX <br>Open-The Last Closing Disclosure was provided on (XXXX) via (Other), which is not at least 6 business days before the consummation date of (XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XXXX) is inaccurate when compared to the Last Disclosed Closing Disclosure APR (7.878). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The most recent Closing Disclosure was provided on XXXX, via Other, which is not at least 6 business days prior to the scheduled consummation date of XXXX. Additionally, the APR of XXXX% disclosed on the prior Closing Disclosure dated XXXX is inaccurate when compared to the APR of XXXX% disclosed on the most recent Closing Disclosure. Pursuant to Regulation Z, if the APR is inaccurate, a corrected Closing Disclosure must be provided to the consumer no later than 3 business days prior to consummation. If the corrected disclosure is not provided in person, it is deemed received by the consumer three business days after it is mailed or delivered—unless there is documented evidence of earlier receipt. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-The initial CD was issued and acknowledged on XXXX, which began the wait period to sign. The CD XXXX did not create a new 3day wait period since it did not create any of the 3 circumstances needed for that. The borrower signed closing docs XXXX and the loan funded XXXX. After closing/funding onXXXX the Post close CD (PCCD) on page 609 of the original package was issued. Also, on page 429 the APR on XXXX is XXXX%, and on the XXXX PCCD pg 612 reflects at XXXX% - Seller-XXXX | Resolved-COC provided for XXXX CD and CD acknowledged and accepted as initial CD beginning 3 day wait. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116658 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Ready for Review-please see attached - Seller-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee added on Initial CD amount of XXXX, however there is no COC on this initial CD date (XXXX), Required COC to cure the tolerance. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-please see attached - Seller-XXXX<br>| Resolved-COC provided. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350116660 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Received exception for LTV - Due Diligence Vendor-XXXX <br> Waived- - Due Diligence Vendor-XXXX <br> Ready for Review-Received exception for LTV - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Audited LTV Exceeds Guideline LTV According to the Business Bank Statement Matrix XXXX (page #1), the maximum allowed LTV for a FICO score between 700 to 719 is XXXX%. The audited FICO score is XXXX; however, the audited LTV is XXXX%, which exceeds the allowable limit. - Due Diligence Vendor-XXXX |  | Waived-Received exception for LTV - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower has a DTI of 34.83 and max can be at XXXX% <br> Borrower has a residual income of 29,280.38<br> Borrower has been in the same line of work for 10 plus years. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350116660 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Waived-Document Uploaded. Have exception for Fico. - Due Diligence Vendor-XXXX <br>Open-Received exception for fico score - Due Diligence Vendor-XXXX |  | Waived-Document Uploaded. Have exception for Fico. - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower has a DTI of 34.83 and max can be at XXXX% <br> Borrower has a residual income of 29,280.38<br> Borrower has been in the same line of work for 10 plus years. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |

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## Exhibit 99.29

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.29**

---

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| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350116535 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116536 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116538 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116539 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116540 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116541 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116542 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116543 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116544 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116545 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116546 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116547 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116548 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116549 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116550 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116551 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116553 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116554 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116555 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116556 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116557 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116558 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116559 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116563 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116565 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116566 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116567 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116568 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116569 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116570 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116571 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116572 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116573 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116574 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116575 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116576 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116577 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116578 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116579 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116580 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116581 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116582 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116583 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116584 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116586 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116587 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116588 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116589 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116590 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116591 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116593 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116594 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116595 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116596 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116597 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116598 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116599 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116600 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116601 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116602 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116603 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116604 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116605 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116606 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116607 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116608 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116609 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116610 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116611 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116612 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116613 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116614 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116615 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116616 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116618 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116619 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116620 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116621 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116622 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116624 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116625 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116626 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.0533 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116627 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116628 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116630 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116631 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116632 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116633 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116634 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116635 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116636 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116637 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116638 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116639 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116640 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116641 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116643 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116644 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116645 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116646 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116647 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116648 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116649 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116650 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116651 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116652 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116653 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116654 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116655 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116656 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116657 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116658 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116659 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350116660 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.30

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4350116535 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116535 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116535 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116535 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116536 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116536 | XXXX |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116536 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116537 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116538 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116538 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116538 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116538 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116539 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116540 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116540 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116541 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116541 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116541 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116541 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116542 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116542 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116542 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116543 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116543 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116544 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116544 | XXXX |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 4350116544 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116545 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116546 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116546 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116546 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116547 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116547 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116547 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116547 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116548 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116548 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116548 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116549 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116549 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116550 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116550 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116550 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116551 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | First Payment Date | notePage | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116552 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116553 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116553 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116553 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116554 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116555 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116555 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116555 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116556 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116556 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116557 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116557 | XXXX |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116558 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116558 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116558 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116559 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116559 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116559 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116559 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116560 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116561 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | B4 Date of Resident Since/Valid Date | fraudReportPage | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116562 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116563 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116563 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Borrower 2 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116564 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116565 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116565 | XXXX |  |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | XXXX |
| 4350116565 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116565 | XXXX |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116566 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116566 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116567 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116567 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116567 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116568 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116568 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116568 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116569 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116570 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116570 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116571 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116571 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116572 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116572 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116573 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116573 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116574 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116574 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116575 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116575 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116575 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116575 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116576 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116576 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116576 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116577 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116577 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116577 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116578 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116578 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116580 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116580 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116580 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116581 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116581 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116581 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116582 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116582 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116582 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116582 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116583 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116583 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116584 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116584 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116584 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116585 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116586 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116587 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116587 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116587 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116587 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116588 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116588 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116589 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116589 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116590 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116590 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116591 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116591 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116591 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116591 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116592 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116593 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116594 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116594 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116594 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116594 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116596 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116597 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116597 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116597 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116597 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116598 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116598 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116600 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116601 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116601 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116601 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116601 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116602 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116602 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116602 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116602 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116604 | XXXX |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 4350116604 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116604 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116604 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116605 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116606 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116606 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116606 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116607 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116607 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116607 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116607 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116608 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116608 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116608 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116609 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116609 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116610 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116611 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116611 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116612 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116612 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116613 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116613 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116613 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116614 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116614 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116614 | XXXX |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116615 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116615 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116616 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116616 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116616 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116617 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116619 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116619 | XXXX |  |  | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | XXXX |
| 4350116619 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116622 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116622 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116622 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116623 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116625 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116625 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116625 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116626 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116628 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116628 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116628 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116628 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116629 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116631 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116631 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116632 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116632 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116633 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116633 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116633 | XXXX |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116633 | XXXX |  |  | XXXX | Escrow Indicator | hudClosingDetailPage | XXXX | XXXX | XXXX |
| 4350116634 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116634 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116635 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116635 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116635 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116636 | XXXX |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116637 | XXXX |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116637 | XXXX |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 4350116637 | XXXX |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116638 | XXXX |  |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| 4350116638 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116638 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116639 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116639 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116639 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116640 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116640 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116640 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116640 | XXXX |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 4350116641 | XXXX |  |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116641 | XXXX |  |  | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | XXXX |
| 4350116641 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116641 | XXXX |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | Borrower 1 Origination TransUnion | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | Borrower 1 Origination Experian | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | Borrower 2 Origination Equifax | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116642 | XXXX |  |  | XXXX | Borrower 2 Origination TransUnion | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116643 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116643 | XXXX |  |  | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116643 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116644 | XXXX |  |  | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | XXXX |
| 4350116644 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116645 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116646 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116646 | XXXX |  |  | XXXX | Borrower 1 Other Income Amount 2 | the1003Page | XXXX | XXXX | XXXX |
| 4350116646 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116646 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116647 | XXXX |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 4350116647 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116647 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116648 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116648 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116649 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116649 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116650 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116650 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116650 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116650 | XXXX |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116651 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116651 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116652 | XXXX |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 4350116652 | XXXX |  |  | XXXX | Borrower 1 Other Income Amount 2 | the1003Page | XXXX | XXXX | XXXX |
| 4350116652 | XXXX |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116652 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116653 | XXXX |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 4350116653 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116654 | XXXX |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 4350116654 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116654 | XXXX |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116655 | XXXX |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116655 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 4350116658 | XXXX |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 4350116658 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116659 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 4350116659 | XXXX |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 4350116660 | XXXX |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |

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