# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-26-000088
**Filing Date:** 2026-1
**Character Count:** 741710
**Document Hash:** 6d363c2224296258b50916a888f31898
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-000088.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0001539497-26-000088

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

**PUBLIC DOCUMENT COUNT**: 20

**CONFORMED PERIOD OF REPORT**: 20260120

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

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 26543989

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

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

[_] Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to __________.

Date of Report (Date of earliest event reported): ___________

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

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

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

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

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

[X] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2).

Central Index Key Number of depositor: 0001991364

---

| |
|:---|
| &nbsp;&nbsp;**Chase Home Lending Mortgage Trust 2026-1** |
| &nbsp;&nbsp;(Exact name of issuing entity as specified in its charter) |

---

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

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

---

| |
|:---|
| &nbsp;&nbsp;**Bithun John** **, (212) 834-4890** |
| &nbsp;&nbsp;(Name and telephone number, including area code, <br> of the person to contact in connection with this filing) |

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

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

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

**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.

---

| | | | |
|:---|:---|:---|:---|
| Date: January 20, 2026 | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) |
|  | By: | /s/ Bithun John | /s/ Bithun John |
|  |  | Name: | Bithun John |
|  |  | Title: | President |

---

**EXHIBIT INDEX**

99.1 AMC Diligence, LLC ("AMC") Pool 1 Executive Summary

99.2 AMC Pool 1 Rating Agency Grades

99.3 AMC Pool 1 Exception Grades

99.4 AMC Pool 1 Valuation Report

99.5 AMC Pool 1 Data Compare Summary

99.6 AMC Pool 1 Data Compare

99.7 Opus Capital Markets Consultants, LLC ("Opus") Pool 2 Executive Narrative

99.8 Opus Pool 2 Exception Report

99.9 Opus Pool 2 Rating Agencies Grade Summary

99.10 Opus Pool 2 Valuation Report

99.11 Opus Pool 2 Data Compare

99.12 Opus Pool 3 Executive Narrative

99.13 Opus Pool 3 Exception Report

99.14 Opus Pool 3 Rating Agencies Grade Summary

99.15 Opus Pool 3 Valuation Report

99.16 Opus Pool 3 Data Compare

## Exhibit 99.1

**Exhibit 99.1**

![](n5592_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") from November 2024 to November 2025 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates of July 2024 to September 2025.

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

The Review was conducted on a total population of thirteen (13) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |  |

---

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

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC:

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(i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were

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noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

**(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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

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

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

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

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iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

&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

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findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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

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

---

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

---

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

---

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.

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The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

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

**(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

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instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

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**(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.

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 DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were thirteen (13) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, eight (8) loans had an Overall loan grade of "A", and five (5) loans had an Overall loan grade of "B".

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**10** |

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**COMPLIANCE RESULTS SUMMARY**

Of the thirteen (13) loans reviewed, under the applicable NRSRO grading criteria, eight (8) loans had a Compliance Review "A" grade, and five (5) loans had a Compliance Review "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;61.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the thirteen (13) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the thirteen (13) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Credit Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the thirteen (13) mortgage loans reviewed, five (5) (38.46%) mortgage loans had tape discrepancies across two (2) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (23.08%), Investor: Qualifying Total Debt Ratio (15.38%).

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;13 |

---

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![](n5592_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**314** | &nbsp;&nbsp;**1.59%** | &nbsp;&nbsp;**13** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15094267.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15094267.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15094267.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$1644000.00 | &nbsp;&nbsp;10.89% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$6644817.00 | &nbsp;&nbsp;44.02% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;$6805450.00 | &nbsp;&nbsp;45.09% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15094267.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](n5592_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;5 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;$7376200.00 | &nbsp;&nbsp;48.87% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$838950.00 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$880000.00 | &nbsp;&nbsp;5.83% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;6 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$5999117.00 | &nbsp;&nbsp;39.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;12 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;$14139267.00 | &nbsp;&nbsp;93.67% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$955000.00 | &nbsp;&nbsp;6.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15094267.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 1/12/2026 7:52:45 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 222263443 |  | 3158620393 |  |  | A | B | A | B | A | A | A | A |  |
| 222697188 |  | 3158620392 |  |  | C | A | A | C | A | A | A | A |  |
| 222802143 |  | 3158620394 |  |  | A | A | A D | A D | A | A | A | A |  |
| 223007414 |  | 3158620662 |  |  | A | C | A | C | A | A | A | A |  |
| 223977041 |  | 3158620416 |  |  | A | C | A | C | A | B | A | B |  |
| 223977072 |  | 3158620424 |  |  | A | C | A | C | A | B | A | B |  |
| 223977144 |  | 3158620690 |  |  | C | C | A | C | A | A | A | A |  |
| 223977155 |  | 3158620694 |  |  | B | C | A | C | A | A | A | A |  |
| 224168633 |  | 3158620425 |  |  | A | C | A | C | A | B | A | B |  |
| 224168637 |  | 3158620633 |  |  | A | C | A | C | A | B | A | B |  |
| 224168720 |  | 3158620448 |  |  | C | C | A | C | A | B | A | B |  |
| 224168757 |  | 3158620404 |  |  | A | C | C | C | A | A | A | A |  |
| 224304655 |  | 3158620779 |  |  | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](situsamc_logo.jpg)

**Exception Grades**

**Run Date - 1/12/2026 7:52:45 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 222263443 |  | 3158620393 |  | 32053952 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 <br> Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did <br> not provide a copy of each valuation to applicant three <br> (3) business days prior to consummation. | No documentation in file to evidence the updated <br> appraisal was provided to the borrowers at least 3 <br> business days prior to closing. |  |  |  | Reviewer Comment (2024-11-06): appraisal acknowledgement received<br>Buyer Comment (2024-11-06): See attached Appraisal Acknowledgment. | 11/06/2024 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222697188 |  | 3158620392 |  | 32593212 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-01-14): [Redacted] confirmed coverage is based on replacement <br> cost of property<br>Buyer Comment (2025-01-14): Please see [Redacted] from agent regarding replacement cost | 01/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222802143 |  | 3158620394 |  | 32822915 |  | 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 HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-11): Sufficient Cure Provided At Closing |  | 02/11/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222802143 |  | 3158620394 |  | 32822954 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | FSD score on AVM in file is 0.12, which does not meet the Fitch requirements. Please provide a CDA or field review supporting the original appraised value. |  |  |  | Reviewer Comment (2025-03-05): CDA received<br>Buyer Comment (2025-03-05): Please see attached CDA. | 03/05/2025 |  |  | 1 A D |  | SC | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223007414 |  | 3158620662 |  | 33075585 |  | 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 $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing $[Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-03-24): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-03-21): Do not Concur.Expiration change and valid CIC for loan points occurred on [Redacted]. CDv2 disclosed timely which is when Prem Pricing changed to discount points. | 03/24/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: <br> Letter of Explanation, Proof of Delivery, Copy <br> of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223007414 |  | 3158620662 |  | 33075586 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing $[Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-03-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-03-21): Do not Concur. Section E tolerance violation already cured at closing | 03/24/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223007414 |  | 3158620662 |  | 33075587 |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Final Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing $[Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-03-24): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-03-21): Do not Concur. Valid CICs for Appraisal value and loan points occurred on [Redacted] that increased the points to $[Redacted]. CDv3 was timely next day. Points decreased at closing | 03/24/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223007414 |  | 3158620662 |  | 33098252 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-24): Sufficient Cure Provided At Closing |  | 03/24/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977041 |  | 3158620416 |  | 34358055 |  | 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 (2025-09-08): appraisal acknowledgement received<br>Buyer Comment (2025-09-08): Please review uploaded appraisal acknowledgement. | 09/08/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977041 |  | 3158620416 |  | 34358057 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-17): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-17): Please review uploaded LOE, PCCD, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-09-22): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7506)<br>Reviewer Comment (2025-09-22): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-19): Please review uploaded CIC and LE.<br>Reviewer Comment (2025-09-10): [Redacted] received rebuttal comment. As per file the Appraisal fee disclosed as $[Redacted] and Appraisal Review fee as $[Redacted] on initial LE on initial CD shows appraisal fee increased to $[Redacted] while appraisal review fee remained unchanged. Combination of both fees would be $[Redacted]. Moreover, as per invoice (D0548) the appraisal fee is $[Redacted] seems appraisal review fee was not charged on loan. Both fees are separate and used for different purposes combining fee is not a valid change and also as there is no separate property inspection report in file. Cure would be required.<br>Buyer Comment (2025-09-08): Do not concur. The $[Redacted] Appraisal Fee and $[Redacted] Appraisal Review Fee were combined into one fee on the Final CD. |  | 10/17/2025 |  | 2 C B |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158620424 |  | 34374891 |  | 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. | Neither evidence of delivery of Collateral Desktop Analysis nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-11): appraisal delivery received<br>Buyer Comment (2025-09-11): Please review uploaded proof of appraisal delivery. | 09/11/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977072 |  | 3158620424 |  | 34402643 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-10-17): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-17): Please review uploaded LOE, PCCD, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7567) |  | 10/17/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158620424 |  | 34402642 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Endorsements disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-10-17): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-17): Please review uploaded LOE, PCCD, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7564) |  | 10/17/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158620424 |  | 34402641 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - E-Doc Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-10-17): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-17): Please review uploaded LOE, PCCD, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (75188) |  | 10/17/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158620424 |  | 34402640 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-10-17): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-17): Please review uploaded LOE, PCCD, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (75178) |  | 10/17/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158620424 |  | 34402639 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Disclosure provided was issued and signed at closing ([Redacted]). A disclosure issued within 3 business days of application not found. |  |  |  | Reviewer Comment (2025-10-17): client accepts EV2 condition<br>Buyer Comment (2025-10-17): Accepting EV2. |  |  | 10/17/2025 | 2 B |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977144 |  | 3158620690 |  | 34349375 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Provide HUD-1 Settlement, Closing Disclosure, Appraisal or Letter of Intent to Sell is missing for [Redacted] |  |  |  | Reviewer Comment (2025-10-15): ROE documentation received<br>Buyer Comment (2025-10-15): Attorney Statement<br>Buyer Comment (2025-10-15): Closing Disclosure provided | 10/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977144 |  | 3158620690 |  | 34349681 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): SitusA/MC received valid COC dated [Redacted]<br>Buyer Comment (2025-09-05): Do not Concur. Valid CIC for loan amount change [Redacted]. LEv3 disclosed timely | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158620694 |  | 34367147 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-23): final title policy received<br>Buyer Comment (2025-09-23): Final Title Policy Provided | 09/23/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977155 |  | 3158620694 |  | 34426655 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158620694 |  | 34367190 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation.. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-11): Do Not Concur. The cure amount of $[Redacted] is to cure the recording fees, there is a valid CIC for the discount points so no additional cure amount is required. | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158620694 |  | 34367191 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation.. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do Not Concur. There was a pricing expiration on [Redacted], pricing changed, $[Redacted] in discount points was disclosed timely on CD V3. | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168633 |  | 3158620425 |  | 34638621 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Rescission expiration date on notice is [Redacted]. Due to the federal holiday on this date, rescission expiration date should be [Redacted]. |  |  |  | Reviewer Comment (2025-11-06): updated RTC documentation received and acceptable<br>Buyer Comment (2025-11-06): Please review Re-open Rescission RTC - borrower signature confirms receipt | 11/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168633 |  | 3158620425 |  | 34638624 |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Neither of the escrow waiver reason checkboxes are marked on the consumer's final Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-23): PCCD and LOX received showing the corrected information regarding the escrow waiver.<br>Buyer Comment (2025-10-23): Please review letter of explanation attached<br>Buyer Comment (2025-10-23): Please review PCCD attached |  | 10/23/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168637 |  | 3158620633 |  | 34597764 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-27): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-27): copy of refund<br>Buyer Comment (2025-10-27): PCCD attached<br>Buyer Comment (2025-10-27): Please review proof attached<br>Buyer Comment (2025-10-27): Please review copy of check attached<br>Buyer Comment (2025-10-27): Please review copy of letter and PCCD attached<br>Reviewer Comment (2025-10-06): 1026.4(A) Does not seem to address the discussion. Please provide more detailed citation based on the current regulation for review. [Redacted] tests the appraisal rush fee as a finance charge as it is not excluded under 4(c)(7), (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-03): Please review Lender dispute attached; fee non finance charge 1026.4(a)<br>Reviewer Comment (2025-10-02): [Redacted] received rebuttal that rush fee is not a finance charge. However, the exclusion under 4(c)(7) covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a 4(c)(7) fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. What determines a finance charge is not who fee is paid to but what services are performed for that fee. In the case of an appraisal rush fee, this is a processing/service type fee and not a fee for inspection to assess the value or condition of the property. To be excluded from finance charge and be considered a 4(c)(7) fee the official interpretation is: Real-Estate Related Fees (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-01): Do not concur. Appraisal rush fee is Appraisal related therefore non prepaid. please exclude from Amount Financed. |  | 10/27/2025 |  | 2 C B |  | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168637 |  | 3158620633 |  | 34597765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-27): PCCD, refund check, LOX, and proof of mailing has been received<br>Reviewer Comment (2025-10-06): 1026.4(A) Does not seem to address the discussion. Please provide more detailed citation based on the current regulation for review. [Redacted] tests the appraisal rush fee as a finance charge as it is not excluded under 4(c)(7), (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-03): Please review Lender dispute attached; fee non finance charge 1026.4(a)<br>Reviewer Comment (2025-10-02): [Redacted] received rebuttal that rush fee is not a finance charge. However, the exclusion under 4(c)(7) covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a 4(c)(7) fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. What determines a finance charge is not who fee is paid to but what services are performed for that fee. In the case of an appraisal rush fee, this is a processing/service type fee and not a fee for inspection to assess the value or condition of the property. To be excluded from finance charge and be considered a 4(c)(7) fee the official interpretation is: Real-Estate Related Fees (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-01): Do not concur. Appraisal rush fee is Appraisal related therefore non prepaid. please exclude from Financed Charge. |  | 10/27/2025 |  | 2 C B |  | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168720 |  | 3158620448 |  | 34667609 |  | 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 sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Borrower's acknowledgment of receipt not provided. |  |  |  | Reviewer Comment (2025-10-09): appraisal acknowledgement received<br>Buyer Comment (2025-10-09): Do Not Concur - please review appraisal ack | 10/09/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168720 |  | 3158620448 |  | 34667612 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-10): [Redacted] Received Corrected PCCD, Letter of Explanation and Payment history within 60 days pf the closing.<br>Buyer Comment (2025-10-09): Cure received | 10/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168720 |  | 3158620448 |  | 34667611 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-10): [Redacted] Received Corrected PCCD, Letter of Explanation and Payment history within 60 days pf the closing.<br>Buyer Comment (2025-10-09): Cure received | 10/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168720 |  | 3158620448 |  | 34660091 |  | 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 $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-31): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-30): Do Not Concur - please review the exact amount of original credit -$[Redacted] (rounding occured) located on CIC (Prev Disclosed $[Redacted] - Disclosed $[Redacted] = -[Redacted])<br>Reviewer Comment (2025-10-30): SitusAMC received rebuttal, however cure required is $[Redacted] as lender credit decreased from $[Redacted] to $[Redacted] and cure provided is $[Redacted]. Additional cure of $[Redacted] is required. Please provide cure documents for additional cure of $[Redacted].<br>Buyer Comment (2025-10-29): please review again lender credit was decreased b $[Redacted] - $[Redacted] was refunded<br>Reviewer Comment (2025-10-29): SitusAMC received Post CD,LOX, Copy of refund check and proof of mailing for $[Redacted]. However, the total cure required is $[Redacted]. Therefore, kindly provide additional cure of $[Redacted] along with cure documents Post CD, LOX and Copy of refund check<br>Buyer Comment (2025-10-28): Please review refund<br>Reviewer Comment (2025-10-14): [Redacted] received rebuttal, however If lender credit reduced at the exact same percentage that the loan amount change, then there are no other changes in the loan other than a change in the loan amount. The loan amount increased by [Redacted]% and lender credit decreased by [Redacted]%. If the lender credit reduces at a different percentage than the change in loan amount, either up or down, then the reduction in loan amount is not the only reason for reduction of the lender credit. In that case, the other reasons (program change, fee change) for the reduction need to be ascertained to ensure the borrower was properly informed and all disclosure timelines were met, or a cure is owed.<br>Buyer Comment (2025-10-13): Could this please be escalated for review? There is sufficient information on the COC showing loan amount was increased by borrower from $[Redacted] to $[Redacted] resulting in change in settlement charges with the proportionate amount of lender paid fees being decreased and corresponding lender credit decrease of $[Redacted].<br>Reviewer Comment (2025-10-13): [Redacted] received rebuttal and COC, however the change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-10): Do Not Concur - COC valid - lender credit decrease associated with tiered lender rebate tied to loan amount<br>Reviewer Comment (2025-10-10): [Redacted] Receuved COC Dated [Redacted] states loan amount change; however, lender credit does not decrease proportionate to loan amount. Provide additional information for lender credit decreased or provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check.<br>Buyer Comment (2025-10-09): Do Not Concur - please review valid COC for lender credit decrease |  | 10/31/2025 |  | 2 C B |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168720 |  | 3158620448 |  | 34660079 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-09): email from HOI agent confirming guaranteed replacement cost received and acceptable<br>Buyer Comment (2025-10-09): Do Not Concur - please review LOX | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168757 |  | 3158620404 |  | 34673323 |  | 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 Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Desk Review Fee fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-20): Valid COC and redisclosure timing of the fee change received<br>Buyer Comment (2025-10-20): The lender did not learn the cost of the Secondary Valuation until obtaining the invoice on [Redacted]. The COC was then done on [Redacted] which was within 3-days.<br>Reviewer Comment (2025-10-13): [Redacted]: The COC dated [Redacted] that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on what new information was received that required to add the field review fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the field review required 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 (2025-10-10): Please review uploaded CIC. | 10/20/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168757 |  | 3158620404 |  | 34673367 |  | 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 |  | The Field Review effective date does not match the Appraisal effective date. The desk review should have the same effective date as the appraisal. |  |  |  | Reviewer Comment (2025-10-22): updated field review with correct effective date received<br>Buyer Comment (2025-10-22): Please review uploaded field review. | 10/22/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168757 |  | 3158620404 |  | 34689933 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-10-13): disclosure not required for this refinance situation<br>Buyer Comment (2025-10-13): Furthermore, refinance is not due to loss mitigation/foreclosure prevention. Please see uploaded attestation.<br>Buyer Comment (2025-10-13): Homeownership counseling is not required on a refinance. Borrower has owned property for 10 years. Furthermore, AUS (DU) does not require it.<br>Reviewer Comment (2025-10-10): email doesnt state why the borrower did not need the disclosure. Please provide additional information.<br>Buyer Comment (2025-10-10): Please review uploaded email from correspondent indicating homebuyer counseling was not required. | 10/13/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304655 |  | 3158620779 |  | 34886292 |  | 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. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): acceptable mailing of initial LE to borrower<br>Buyer Comment (2025-11-12): Do Not Concur. Please see evidence that the Waiver of Three- Day review of Appraisal disclosure was printed on [Redacted] and subsequently mailed to customer. | 11/12/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304655 |  | 3158620779 |  | 34886302 |  | 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 issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): acceptable mailing of initial LE to borrower<br>Buyer Comment (2025-11-12): Do Not Concur. Please see evidence that the Loan Estimate was printed on [Redacted] and subsequently mailed to customer. | 11/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304655 |  | 3158620779 |  | 34886303 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-11-12): Do Not Concur. Please see valid CICs for loan amount, initial lock, and discount point changes on [Redacted], the discount points disclosed on CD v1 at $[Redacted] and decrease by closing. | 11/13/2025 |  |  | 1 C A |  | TX | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

**Exhibit 99.4**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 1/12/2026 7:52:45 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 222263443 |  | 3158620393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 222697188 |  | 3158620392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 222802143 |  | 3158620394 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.200% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223007414 |  | 3158620662 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 223977041 |  | 3158620416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223977072 |  | 3158620424 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.340% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 223977144 |  | 3158620690 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223977155 |  | 3158620694 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 224168633 |  | 3158620425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168637 |  | 3158620633 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168720 |  | 3158620448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 224168757 |  | 3158620404 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 224304655 |  | 3158620779 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.10 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 1/12/2026 7:56:06 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 13 | 0.00% | 13 |
| State | 0 | 13 | 0.00% | 13 |
| Zip | 0 | 13 | 0.00% | 13 |
| Note Date | 0 | 13 | 0.00% | 13 |
| Original Loan Amount | 0 | 13 | 0.00% | 13 |
| First Payment Date | 0 | 1 | 0.00% | 13 |
| Original Term | 0 | 2 | 0.00% | 13 |
| Amortization Term | 0 | 12 | 0.00% | 13 |
| Original Interest Rate | 0 | 13 | 0.00% | 13 |
| Borrower Qualifying FICO | 0 | 13 | 0.00% | 13 |
| Coborrower Qualifying FICO | 0 | 8 | 0.00% | 13 |
| Amortization Type | 0 | 13 | 0.00% | 13 |
| Representative FICO | 0 | 13 | 0.00% | 13 |
| Lien Position | 0 | 13 | 0.00% | 13 |
| Occupancy | 0 | 13 | 0.00% | 13 |
| Purpose | 0 | 13 | 0.00% | 13 |
| Appraised Value | 0 | 7 | 0.00% | 13 |
| Contract Sales Price | 0 | 13 | 0.00% | 13 |
| Balloon Flag | 0 | 13 | 0.00% | 13 |
| Original CLTV | 0 | 13 | 0.00% | 13 |
| Original LTV | 0 | 13 | 0.00% | 13 |
| Origination Channel | 0 | 13 | 0.00% | 13 |
| Appraisal Effective Date | 0 | 13 | 0.00% | 13 |
| Investor: Qualifying Total Debt Ratio | 2 | 13 | 15.38% | 13 |
| Initial Rate Lock Date | 3 | 13 | 23.08% | 13 |
| LTV Valuation Value | 0 | 6 | 0.00% | 13 |
| Property Type | 0 | 10 | 0.00% | 13 |
| Interest Only | 0 | 8 | 0.00% | 13 |
| **Total** | **5** | **314** | **1.59%** | **13** |

---

## Exhibit 99.6

**Exhibit 99.6**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 1/12/2026 7:38:55 AM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 222263443 |  | 3158620393 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | DTI on 1008 and AUS is [Redacted]% |
| 222697188 |  | 3158620392 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223007414 |  | 3158620662 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168633 |  | 3158620425 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168757 |  | 3158620404 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to the amount of taxes used for qualifying as subj is new <br> construction. |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5592opus_img001.jpg)

Chase 2026-1 Pool 2

JPMorgan

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**January 15, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of 1 loan, of which was purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("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 credit and compliance review of all loans.

As detailed herein, the pool contains 1 credit and compliance loans and was re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms was 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 was 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.

**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, 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.

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

<sup>1</sup> These "material" disclosures include, but are not limited to, 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;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;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;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
was 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;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;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;

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; <br>

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; and

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 was 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 was 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 was 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 was 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.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● 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"

● 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

● 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) was 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.

● 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>

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time .

● Connecticut Nonprime Home Loans Statute, C o nn. Gen. Stat. §§ 36a-7 6 0 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia H o me Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.00 7 8 et seq. (for loans closed before July 1, 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● 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.

● I llinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

● Cook County , I llinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County , I llinois, Anti-Predatory Lending Pilot Program, I llinois Ho u se Bill 4050 (2005).

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

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

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● 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).

● 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.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● 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 Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's I nterest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● 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.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46: 1 0B-22 et seq., as amended from time to time.

● 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.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● 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 tim e to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 18 5 (2006), and as codified in various sections of the Ohio Code.

● 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 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● 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.

● 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).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 I nterest 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 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.

● 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.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

● Wisconsin Responsible High - Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DF I -Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was 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

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

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

**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 as 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

 **

 ****

 

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second
appraisal.

**<u>Jumbo Loan Programs</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If
the resulting value of the AVM is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned,
an Appraisal Desk Review was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

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 in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), 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>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● 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 15-E 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.

**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.

**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> ● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Non-Conforming | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Conforming-GSE Eligible | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;2.250 - 2.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;2.500 - 2.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3.000 - 3.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3.500 - 3.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4.000 - 4.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4.500 - 4.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;5.000 - 5.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;5.500 - 5.999 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;6.000 - 6.499+ | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-20.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;20.01-30.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;40.01-45.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;45.01-50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-30.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;40.01-50.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;50.01-60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;60.01-70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;70.01-80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;80.01-90.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**QM Type** | &nbsp;&nbsp;**QM Type** | &nbsp;&nbsp;**QM Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;QM/Non-HPML | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;QM: APOR | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM/HPML | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Not Covered/Exempt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>** **<u> </u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;GSE Eligible Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**1** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>** **<u> </u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 14, 2026.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;**DBRS, Kroll, Fitch, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**DBRS, Kroll, Fitch, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**DBRS, Kroll, Fitch, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**DBRS, Kroll, Fitch, S&P and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (1)</u>**

3158620663

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.8

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **ALT ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
|  | XXXX | 3158620663 | 6763989 | 2025-12-23 11:47 | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Document Uploaded. - Due Diligence Vendor-01/10/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/23/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/10/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/23/2025<br>|  | Resolved | 2026-01-09 19:57 | N/A B |

---

## Exhibit 99.9

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 3158620663 |  | $X,XXX.XX A B |

---

## Exhibit 99.10

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 3158620663 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 50.0 | 50.0 | $X,XXX.XX | $X,XXX.XX | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 3158620663 |  | Loan Purpose | the1003Page | Purchase | Refinance | Audit Value Pulled From Final 1003. |
| XXXX | 3158620663 |  | GSE Eligible Flag | employmentIncomePage | No | Yes | Audit Value Provided By Client. |

---

## Exhibit 99.12

**Exhibit 99.12**

![](n5592opus_img001.jpg)

Chase 2026-1 Pool 3

JPMorgan

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**January 19, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan**

The report summarizes the results of a due diligence review performed on a pool of 313 loan, of which was purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("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 credit and compliance review of all loans.

As detailed herein, the pool contains 313 credit and compliance loans and was re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms was 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 was 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.

**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.

**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, 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.

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

<sup>1</sup> These "material" disclosures include, but are not limited to, 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;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;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business
days of application and1 These "material" disclosures include, but are not limited to, 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). 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;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
was 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;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;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;

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; <br>

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; and

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 was 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 was 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 was 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 was 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.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● 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"

● 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

● 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) was 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.

● 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>

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time .

● Connecticut Nonprime Home Loans Statute, C o nn. Gen. Stat. §§ 36a-7 6 0 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia H o me Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.00 7 8 et seq. (for loans closed before July 1, 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● 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.

● I llinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

● Cook County , I llinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County , I llinois, Anti-Predatory Lending Pilot Program, I llinois Ho u se Bill 4050 (2005).

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

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

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● 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).

● 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.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● 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 Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's I nterest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● 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.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46: 1 0B-22 et seq., as amended from time to time.

● 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.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● 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 tim e to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 18 5 (2006), and as codified in various sections of the Ohio Code.

● 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 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● 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.

● 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).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 I nterest 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 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.

● 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.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

● Wisconsin Responsible High - Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DF I -Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was 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

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

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

**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 as 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

 **

 ****

 

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second
appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If
the resulting value of the AVM is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned,
an Appraisal Desk Review was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

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 in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), 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>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● 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 15-E 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.

**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.

**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> ● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Non-Conforming | &nbsp;&nbsp;313 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Conforming-GSE Eligible | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;4.000 - 4.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4.500 - 4.999 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;5.000 - 5.499 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;5.500 - 5.999 | &nbsp;&nbsp;43 | &nbsp;&nbsp;13.74% |
| &nbsp;&nbsp;6.000 - 6.499 | &nbsp;&nbsp;141 | &nbsp;&nbsp;45.05% |
| &nbsp;&nbsp;6.500 - 6.999 | &nbsp;&nbsp;114 | &nbsp;&nbsp;36.42% |
| &nbsp;&nbsp;7.000 - 7.499 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;7.500 - 7.999 | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;8.000 - 8.499+ | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;249 | &nbsp;&nbsp;79.55% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;44 | &nbsp;&nbsp;14.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-20.00 | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;20.01-30.00 | &nbsp;&nbsp;56 | &nbsp;&nbsp;17.89% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;140 | &nbsp;&nbsp;44.73% |
| &nbsp;&nbsp;40.01-45.00 | &nbsp;&nbsp;85 | &nbsp;&nbsp;27.16% |
| &nbsp;&nbsp;45.01-50.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;313 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;279 | &nbsp;&nbsp;89.14% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;34 | &nbsp;&nbsp;10.86% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;166 | &nbsp;&nbsp;53.04% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;27 | &nbsp;&nbsp;8.63% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;101 | &nbsp;&nbsp;32.27% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-30.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;40.01-50.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.83% |
| &nbsp;&nbsp;50.01-60.00 | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.79% |
| &nbsp;&nbsp;60.01-70.00 | &nbsp;&nbsp;39 | &nbsp;&nbsp;12.46% |
| &nbsp;&nbsp;70.01-80.00 | &nbsp;&nbsp;206 | &nbsp;&nbsp;65.81% |
| &nbsp;&nbsp;80.01-90.00 | &nbsp;&nbsp;35 | &nbsp;&nbsp;11.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**QM Type** | &nbsp;&nbsp;**QM Type** | &nbsp;&nbsp;**QM Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;QM: Average Prime Offer Rate | &nbsp;&nbsp;313 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM/HPML | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Not Covered/Exempt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;11 | &nbsp;&nbsp;96.49% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;98.08% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;96.49% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**313** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>** **<u> </u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 19, 2026.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;DBRS, Kroll, and Moody's NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;253 | &nbsp;&nbsp;80.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;17.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;DBRS, Kroll, and Moody's NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;273 | &nbsp;&nbsp;87.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;DBRS, Kroll, and Moody's NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;291 | &nbsp;&nbsp;92.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;DBRS, Kroll, and Moody's NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;311 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;S&P NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;198 | &nbsp;&nbsp;63.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;105 | &nbsp;&nbsp;33.55% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;S&P NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;273 | &nbsp;&nbsp;87.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;S&P NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;291 | &nbsp;&nbsp;92.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;S&P NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;249 | &nbsp;&nbsp;79.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;60 | &nbsp;&nbsp;19.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;Fitch NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;252 | &nbsp;&nbsp;80.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;17.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;Fitch NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;273 | &nbsp;&nbsp;87.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;Fitch NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;291 | &nbsp;&nbsp;92.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.64% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;Fitch NRSRO Grade | &nbsp;&nbsp;# of Loans | &nbsp;&nbsp;% of Loans |
| &nbsp;&nbsp;A | &nbsp;&nbsp;310 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (313)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;3158620397 | &nbsp;&nbsp;3158620507 | &nbsp;&nbsp;3158620610 | &nbsp;&nbsp;3158620703 | &nbsp;&nbsp;3158620802 | &nbsp;&nbsp;3158620885 | &nbsp;&nbsp;3158620962 |
| &nbsp;&nbsp;3158620401 | &nbsp;&nbsp;3158620510 | &nbsp;&nbsp;3158620617 | &nbsp;&nbsp;3158620704 | &nbsp;&nbsp;3158620803 | &nbsp;&nbsp;3158620886 | &nbsp;&nbsp;3158620963 |
| &nbsp;&nbsp;3158620402 | &nbsp;&nbsp;3158620513 | &nbsp;&nbsp;3158620618 | &nbsp;&nbsp;3158620706 | &nbsp;&nbsp;3158620804 | &nbsp;&nbsp;3158620888 | &nbsp;&nbsp;3158620964 |
| &nbsp;&nbsp;3158620403 | &nbsp;&nbsp;3158620515 | &nbsp;&nbsp;3158620619 | &nbsp;&nbsp;3158620710 | &nbsp;&nbsp;3158620806 | &nbsp;&nbsp;3158620890 | &nbsp;&nbsp;3158620966 |
| &nbsp;&nbsp;3158620407 | &nbsp;&nbsp;3158620517 | &nbsp;&nbsp;3158620620 | &nbsp;&nbsp;3158620712 | &nbsp;&nbsp;3158620807 | &nbsp;&nbsp;3158620892 | &nbsp;&nbsp;3158620968 |
| &nbsp;&nbsp;3158620409 | &nbsp;&nbsp;3158620519 | &nbsp;&nbsp;3158620621 | &nbsp;&nbsp;3158620713 | &nbsp;&nbsp;3158620809 | &nbsp;&nbsp;3158620893 | &nbsp;&nbsp;3158620970 |
| &nbsp;&nbsp;3158620410 | &nbsp;&nbsp;3158620520 | &nbsp;&nbsp;3158620623 | &nbsp;&nbsp;3158620714 | &nbsp;&nbsp;3158620810 | &nbsp;&nbsp;3158620895 | &nbsp;&nbsp;3158620971 |
| &nbsp;&nbsp;3158620411 | &nbsp;&nbsp;3158620531 | &nbsp;&nbsp;3158620624 | &nbsp;&nbsp;3158620715 | &nbsp;&nbsp;3158620816 | &nbsp;&nbsp;3158620897 | &nbsp;&nbsp;3158620973 |
| &nbsp;&nbsp;3158620412 | &nbsp;&nbsp;3158620533 | &nbsp;&nbsp;3158620625 | &nbsp;&nbsp;3158620716 | &nbsp;&nbsp;3158620818 | &nbsp;&nbsp;3158620900 | &nbsp;&nbsp;3158620974 |
| &nbsp;&nbsp;3158620413 | &nbsp;&nbsp;3158620537 | &nbsp;&nbsp;3158620626 | &nbsp;&nbsp;3158620719 | &nbsp;&nbsp;3158620819 | &nbsp;&nbsp;3158620901 | &nbsp;&nbsp;3158620975 |
| &nbsp;&nbsp;3158620415 | &nbsp;&nbsp;3158620538 | &nbsp;&nbsp;3158620629 | &nbsp;&nbsp;3158620722 | &nbsp;&nbsp;3158620821 | &nbsp;&nbsp;3158620904 | &nbsp;&nbsp;3158620976 |
| &nbsp;&nbsp;3158620418 | &nbsp;&nbsp;3158620544 | &nbsp;&nbsp;3158620630 | &nbsp;&nbsp;3158620725 | &nbsp;&nbsp;3158620822 | &nbsp;&nbsp;3158620905 | &nbsp;&nbsp;3158620977 |
| &nbsp;&nbsp;3158620419 | &nbsp;&nbsp;3158620545 | &nbsp;&nbsp;3158620631 | &nbsp;&nbsp;3158620727 | &nbsp;&nbsp;3158620823 | &nbsp;&nbsp;3158620907 | &nbsp;&nbsp;3158620978 |
| &nbsp;&nbsp;3158620420 | &nbsp;&nbsp;3158620547 | &nbsp;&nbsp;3158620632 | &nbsp;&nbsp;3158620728 | &nbsp;&nbsp;3158620825 | &nbsp;&nbsp;3158620908 | &nbsp;&nbsp;3158620979 |
| &nbsp;&nbsp;3158620421 | &nbsp;&nbsp;3158620548 | &nbsp;&nbsp;3158620637 | &nbsp;&nbsp;3158620734 | &nbsp;&nbsp;3158620828 | &nbsp;&nbsp;3158620909 | &nbsp;&nbsp;3158620982 |
| &nbsp;&nbsp;3158620422 | &nbsp;&nbsp;3158620549 | &nbsp;&nbsp;3158620642 | &nbsp;&nbsp;3158620736 | &nbsp;&nbsp;3158620829 | &nbsp;&nbsp;3158620913 | &nbsp;&nbsp;3158620984 |
| &nbsp;&nbsp;3158620432 | &nbsp;&nbsp;3158620550 | &nbsp;&nbsp;3158620643 | &nbsp;&nbsp;3158620738 | &nbsp;&nbsp;3158620830 | &nbsp;&nbsp;3158620914 | &nbsp;&nbsp;3158620985 |
| &nbsp;&nbsp;3158620433 | &nbsp;&nbsp;3158620551 | &nbsp;&nbsp;3158620644 | &nbsp;&nbsp;3158620740 | &nbsp;&nbsp;3158620832 | &nbsp;&nbsp;3158620916 | &nbsp;&nbsp;3158620986 |
| &nbsp;&nbsp;3158620440 | &nbsp;&nbsp;3158620552 | &nbsp;&nbsp;3158620645 | &nbsp;&nbsp;3158620742 | &nbsp;&nbsp;3158620837 | &nbsp;&nbsp;3158620918 | &nbsp;&nbsp;3158620996 |
| &nbsp;&nbsp;3158620441 | &nbsp;&nbsp;3158620553 | &nbsp;&nbsp;3158620652 | &nbsp;&nbsp;3158620744 | &nbsp;&nbsp;3158620838 | &nbsp;&nbsp;3158620920 | &nbsp;&nbsp;3158620999 |
| &nbsp;&nbsp;3158620442 | &nbsp;&nbsp;3158620557 | &nbsp;&nbsp;3158620654 | &nbsp;&nbsp;3158620745 | &nbsp;&nbsp;3158620841 | &nbsp;&nbsp;3158620923 | &nbsp;&nbsp;3158621004 |
| &nbsp;&nbsp;3158620443 | &nbsp;&nbsp;3158620558 | &nbsp;&nbsp;3158620655 | &nbsp;&nbsp;3158620749 | &nbsp;&nbsp;3158620842 | &nbsp;&nbsp;3158620924 | &nbsp;&nbsp;3158621005 |
| &nbsp;&nbsp;3158620446 | &nbsp;&nbsp;3158620559 | &nbsp;&nbsp;3158620659 | &nbsp;&nbsp;3158620758 | &nbsp;&nbsp;3158620844 | &nbsp;&nbsp;3158620925 | &nbsp;&nbsp;3158621006 |
| &nbsp;&nbsp;3158620447 | &nbsp;&nbsp;3158620560 | &nbsp;&nbsp;3158620660 | &nbsp;&nbsp;3158620760 | &nbsp;&nbsp;3158620846 | &nbsp;&nbsp;3158620926 | &nbsp;&nbsp;3158621009 |
| &nbsp;&nbsp;3158620451 | &nbsp;&nbsp;3158620561 | &nbsp;&nbsp;3158620661 | &nbsp;&nbsp;3158620762 | &nbsp;&nbsp;3158620848 | &nbsp;&nbsp;3158620927 | &nbsp;&nbsp;3158621010 |
| &nbsp;&nbsp;3158620454 | &nbsp;&nbsp;3158620562 | &nbsp;&nbsp;3158620666 | &nbsp;&nbsp;3158620763 | &nbsp;&nbsp;3158620849 | &nbsp;&nbsp;3158620928 | &nbsp;&nbsp;3158621012 |
| &nbsp;&nbsp;3158620457 | &nbsp;&nbsp;3158620563 | &nbsp;&nbsp;3158620671 | &nbsp;&nbsp;3158620767 | &nbsp;&nbsp;3158620850 | &nbsp;&nbsp;3158620933 | &nbsp;&nbsp;3158621014 |
| &nbsp;&nbsp;3158620458 | &nbsp;&nbsp;3158620564 | &nbsp;&nbsp;3158620675 | &nbsp;&nbsp;3158620768 | &nbsp;&nbsp;3158620851 | &nbsp;&nbsp;3158620934 | &nbsp;&nbsp;3158621018 |
| &nbsp;&nbsp;3158620462 | &nbsp;&nbsp;3158620565 | &nbsp;&nbsp;3158620676 | &nbsp;&nbsp;3158620769 | &nbsp;&nbsp;3158620853 | &nbsp;&nbsp;3158620936 | &nbsp;&nbsp;3158621022 |
| &nbsp;&nbsp;3158620464 | &nbsp;&nbsp;3158620566 | &nbsp;&nbsp;3158620682 | &nbsp;&nbsp;3158620771 | &nbsp;&nbsp;3158620854 | &nbsp;&nbsp;3158620938 | &nbsp;&nbsp;3158621026 |
| &nbsp;&nbsp;3158620465 | &nbsp;&nbsp;3158620568 | &nbsp;&nbsp;3158620683 | &nbsp;&nbsp;3158620772 | &nbsp;&nbsp;3158620855 | &nbsp;&nbsp;3158620939 | &nbsp;&nbsp;3158621027 |
| &nbsp;&nbsp;3158620475 | &nbsp;&nbsp;3158620570 | &nbsp;&nbsp;3158620684 | &nbsp;&nbsp;3158620774 | &nbsp;&nbsp;3158620857 | &nbsp;&nbsp;3158620940 | &nbsp;&nbsp;3158621028 |
| &nbsp;&nbsp;3158620476 | &nbsp;&nbsp;3158620572 | &nbsp;&nbsp;3158620685 | &nbsp;&nbsp;3158620776 | &nbsp;&nbsp;3158620859 | &nbsp;&nbsp;3158620941 | &nbsp;&nbsp;3158621031 |
| &nbsp;&nbsp;3158620479 | &nbsp;&nbsp;3158620573 | &nbsp;&nbsp;3158620686 | &nbsp;&nbsp;3158620778 | &nbsp;&nbsp;3158620860 | &nbsp;&nbsp;3158620942 | &nbsp;&nbsp;3158621032 |
| &nbsp;&nbsp;3158620481 | &nbsp;&nbsp;3158620582 | &nbsp;&nbsp;3158620687 | &nbsp;&nbsp;3158620781 | &nbsp;&nbsp;3158620862 | &nbsp;&nbsp;3158620946 | &nbsp;&nbsp;3158621033 |
| &nbsp;&nbsp;3158620484 | &nbsp;&nbsp;3158620584 | &nbsp;&nbsp;3158620688 | &nbsp;&nbsp;3158620783 | &nbsp;&nbsp;3158620864 | &nbsp;&nbsp;3158620947 | &nbsp;&nbsp;3158621034 |
| &nbsp;&nbsp;3158620491 | &nbsp;&nbsp;3158620586 | &nbsp;&nbsp;3158620691 | &nbsp;&nbsp;3158620785 | &nbsp;&nbsp;3158620867 | &nbsp;&nbsp;3158620949 | &nbsp;&nbsp;3158621036 |
| &nbsp;&nbsp;3158620492 | &nbsp;&nbsp;3158620587 | &nbsp;&nbsp;3158620692 | &nbsp;&nbsp;3158620786 | &nbsp;&nbsp;3158620871 | &nbsp;&nbsp;3158620950 | &nbsp;&nbsp;3158621041 |
| &nbsp;&nbsp;3158620495 | &nbsp;&nbsp;3158620590 | &nbsp;&nbsp;3158620693 | &nbsp;&nbsp;3158620789 | &nbsp;&nbsp;3158620872 | &nbsp;&nbsp;3158620953 | &nbsp;&nbsp;3158621043 |
| &nbsp;&nbsp;3158620496 | &nbsp;&nbsp;3158620591 | &nbsp;&nbsp;3158620695 | &nbsp;&nbsp;3158620791 | &nbsp;&nbsp;3158620873 | &nbsp;&nbsp;3158620954 | &nbsp;&nbsp;3158621045 |
| &nbsp;&nbsp;3158620500 | &nbsp;&nbsp;3158620593 | &nbsp;&nbsp;3158620697 | &nbsp;&nbsp;3158620792 | &nbsp;&nbsp;3158620874 | &nbsp;&nbsp;3158620955 | &nbsp;&nbsp;3158621047 |
| &nbsp;&nbsp;3158620501 | &nbsp;&nbsp;3158620596 | &nbsp;&nbsp;3158620698 | &nbsp;&nbsp;3158620795 | &nbsp;&nbsp;3158620878 | &nbsp;&nbsp;3158620956 | &nbsp;&nbsp;3158621048 |
| &nbsp;&nbsp;3158620502 | &nbsp;&nbsp;3158620597 | &nbsp;&nbsp;3158620700 | &nbsp;&nbsp;3158620797 | &nbsp;&nbsp;3158620880 | &nbsp;&nbsp;3158620957 | &nbsp;&nbsp;3158621053 |
| &nbsp;&nbsp;3158620503 | &nbsp;&nbsp;3158620602 | &nbsp;&nbsp;3158620701 | &nbsp;&nbsp;3158620799 | &nbsp;&nbsp;3158620881 | &nbsp;&nbsp;3158620958 |  |
| &nbsp;&nbsp;3158620505 | &nbsp;&nbsp;3158620603 | &nbsp;&nbsp;3158620702 | &nbsp;&nbsp;3158620800 | &nbsp;&nbsp;3158620883 | &nbsp;&nbsp;3158620960 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.13

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **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?** |
| XXXXXXX | 3158620402 |  | Closed | 2025-12-30 13:52 | 2026-01-14 10:45 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-. - Due Diligence Vendor-01/14/2026 <br> Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. please review IEAD to resolve - Buyer-01/13/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025 |  | Resolved-. - Due Diligence Vendor-01/14/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-01/14/2026 <br>Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025<br>| XXXXXXXXXX_XXXXXX_IEAD.pdf |  |  | XX | Primary Residence | Purchase | NA | 6859342 | N/A | N/A |
| XXXXXXX | 3158620403 |  | Closed | 2025-12-23 12:09 | 2026-01-06 20:08 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received confirmation of the app date. Condition cleared. - Due Diligence Vendor-01/07/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-Received confirmation of the app date. Condition cleared. - Due Diligence Vendor-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6764589 | N/A | N/A |
| XXXXXXX | 3158620403 |  | Closed | 2025-12-29 09:22 | 2026-01-05 17:30 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Received PDI. Condition cleared. - Due Diligence Vendor-01/05/2026 <br>Returned-. - Seller-12/30/2025 <br>Escalated-Document Uploaded. Please review PDI - Seller-12/30/2025 <br>Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/29/2025 | Escalated-Document Uploaded. Please review PDI - Seller-12/30/2025<br>| Resolved-Received PDI. Condition cleared. - Due Diligence Vendor-01/05/2026<br>| XXXXXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6831464 | N/A | N/A |
| XXXXXXX | 3158620403 |  | Closed | 2025-12-23 12:09 | 2026-01-05 17:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received confirmation of the app date. Condition cleared. - Due Diligence Vendor-01/05/2026 <br> Returned-. - Buyer-12/30/2025 <br> Escalated-Document Uploaded. Dispute - please review confirmation of actual application date XX/XX/XXXX - doc sent XX/XX/XXXX is acceptable - Buyer-12/30/2025 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-Received confirmation of the app date. Condition cleared. - Due Diligence Vendor-01/05/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B - Due Diligence Vendor-12/23/2025 | XXXX-FRF.pdf |  |  | XX | Primary Residence | Purchase | NA | 6764588 | N/A | N/A |
| XXXXXXX | 3158620409 |  | Closed | 2026-01-16 16:33 | 2026-01-16 16:33 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7146747 | Investor Post-Close | No |
| XXXXXXX | 3158620409 |  | Closed | 2026-01-10 09:33 | 2026-01-13 08:39 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-. - Due Diligence Vendor-01/13/2026 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached copy of appraiser license effective at signature date. - Buyer-01/11/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date. XX appraiser license effective 11/05/2025. The appraisal was signed XX/XX/XXXX. - Due Diligence Vendor-01/10/2026 |  | Resolved-. - Due Diligence Vendor-01/13/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/12/2026<br>| XXXXXXXXXX_appraiser license.pdf |  |  | XX | Second Home | Purchase | NA | 7023421 | N/A | N/A |
| XXXXXXX | 3158620409 |  | Closed | 2026-01-02 15:30 | 2026-01-13 08:38 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-. - Due Diligence Vendor-01/13/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-please review - Buyer-01/07/2026 <br> Returned-Do not concur - please review again, 2 appraisals in file (XX and XX) - Buyer-01/05/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/02/2026 |  | Resolved-. - Due Diligence Vendor-01/13/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6902227 | N/A | N/A |
| XXXXXXX | 3158620412 |  | Closed | 2025-12-30 11:01 | 2026-01-09 20:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Unable to Resolve-Accept EVB - Due Diligence Vendor-01/10/2026 <br> Unable to Resolve-Unable to Resolve-unable to resolved - accept EVB - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Unable to Resolve-Unable to Resolve-Acknowledge EVB - Buyer-01/09/2026 <br> Counter-. - Due Diligence Vendor-01/07/2026 <br> Counter-The first appraisal was signed XX/XX/XXXX and provided to the borrower. The appraisal was later signed XX/XX/XXXX. The Acknowledgement provided is dated prior to the most recent appraisal. Missing evidence the more recent appraisal was provided to the borrower. Condition remains. - Due Diligence Vendor-01/07/2026 <br> Returned-Document Uploaded. please review ack - Buyer-01/05/2026 <br> Returned-Document Uploaded. OFAC shows clear no participant matches were identified for this loan. dv uploaded - Buyer-01/05/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025 |  | Acknowledged-Unable to Resolve-Accept EV2 - Due Diligence Vendor-01/10/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025 | XXXXXXXXXX.pdf<br> XXXXXXXXXX-ack.pdf |  |  | XX | Second Home | Purchase | NA | 6856290 | Originator Post-Close | No |
| XXXXXXX | 3158620413 |  | Closed | 2025-12-30 12:47 | 2026-01-07 11:13 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received HOI doc with date changed from XX/XX/XXXX to XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/07/2026 <br> Returned-. - Buyer-01/05/2026 <br> Open-Document Uploaded. Do Not Concur - please review Dec page in file dated XX/XX/XXXX - Buyer-01/05/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-01/04/2026 |  | Resolved-Received HOI doc with date changed from XX/XX/XXXX to XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/07/2026 | XXXXXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6858332 | N/A | N/A |
| XXXXXXX | 3158620418 |  | Closed | 2026-01-04 12:49 | 2026-01-09 07:54 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-. - Due Diligence Vendor-01/09/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Escalated-. - Due Diligence Vendor-01/08/2026 <br>Returned-Document Uploaded. please review field review in file - Buyer-01/05/2026 <br>Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-01/04/2026 |  | Resolved-. - Due Diligence Vendor-01/09/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-01/04/2026<br>| XXXXXXXXXX_Field Review.pdf |  |  | XX | Primary Residence | Purchase | NA | 6907499 | N/A | N/A |
| XXXXXXX | 3158620419 |  | Closed | 2025-12-24 13:43 | 2025-12-30 05:09 | Acknowledged | 2 - Non-Material | 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-12/24/2025 |  | 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-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6794710 | Investor Post-Close | No |
| XXXXXXX | 3158620421 |  | Closed | 2026-01-06 14:44 | 2026-01-07 06:16 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/06/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/06/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6943856 | Investor Post-Close | No |
| XXXXXXX | 3158620433 |  | Buyer | 2025-12-23 08:51 | 2026-01-16 18:06 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Unable to Resolve-Unable to Resolve-. - Due Diligence Vendor-01/17/2026 <br> Acknowledged-Unable to Resolve-. - Due Diligence Vendor-01/17/2026 <br> Unable to Resolve-Unable to Resolve-accepting grade 2 - Seller-01/12/2026 <br> Counter-Finding was cleared in error. ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. Provide verification that the most recent version of the appraisal was provided to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-please review again, citing was cleared and now re-opened - Seller-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Resolved-Received Waiver. Condition cleared. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-. - Due Diligence Vendor-01/04/2026 <br> Returned-please review doc provided - Seller-01/02/2026 <br> Escalated-. - Seller-12/30/2025 <br> Acknowledged-Document Uploaded. Dispute - 3 day Waiver in file with acknowledgement - Seller-12/30/2025 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-12/23/2025 | Unable to Resolve-Unable to Resolve-accepting grade 2 - Seller-01/12/2026 <br>Ready for Review-please review again, citing was cleared and now re-opened - Seller-01/09/2026 <br>Escalated-. - Seller-12/30/2025<br>| Acknowledged-Unable to Resolve-. - Due Diligence Vendor-01/17/2026 <br>Resolved-Received Waiver. Condition cleared. - Due Diligence Vendor-01/05/2026 <br>Acknowledged-Document Uploaded. Dispute - 3 day Waiver in file with acknowledgement - Seller-12/30/2025 <br>Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-12/23/2025<br>| XXXXXXXECOA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6759120 | N/A | N/A |
| XXXXXXX | 3158620433 |  | Closed | 2025-12-23 08:51 | 2026-01-16 18:00 | Acknowledged | 2 - Non-Material | 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-12/23/2025 |  | 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-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6759119 | Investor Post-Close | No |
| XXXXXXX | 3158620441 |  | Closed | 2025-12-24 07:20 | 2025-12-24 07:20 | Acknowledged | 2 - Non-Material | 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-12/24/2025 |  | 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-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6786263 | Investor Post-Close | No |
| XXXXXXX | 3158620443 |  | Closed | 2025-12-23 15:00 | 2026-01-09 20:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Unable to Resolve-EVB accepted. - Due Diligence Vendor-01/10/2026 <br> Unable to Resolve-Unable to Resolve-Acknowledge - Accept EVB - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX.<br> - Due Diligence Vendor-12/23/2025 |  | Acknowledged-Unable to Resolve-EV2 accepted. - Due Diligence Vendor-01/10/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX.<br> - Due Diligence Vendor-12/23/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6771555 | Originator Post-Close | No |
| XXXXXXX | 3158620443 |  | Closed | 2025-12-23 15:00 | 2025-12-23 15:00 | Acknowledged | 2 - Non-Material | 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-12/23/2025 |  | 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-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6771554 | Investor Post-Close | No |
| XXXXXXX | 3158620446 |  | Closed | 2026-01-07 06:51 | 2026-01-07 06:51 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6955298 | Investor Post-Close | No |
| XXXXXXX | 3158620454 |  | Seller | 2026-01-07 15:45 | 2026-01-12 07:32 | Counter | 3 - Material | Credit | Missing Doc | AUS Not Provided | Counter-AUS in file reflects 2 borrowers. Spouse appears to have been removed prior to closing. Final DU required with Borr 1 and utilizing the final credit report in file. - Due Diligence Vendor-01/12/2026 <br> Escalated-. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do Not Agree - Note reflects in name of trust - XXXX XXXXX is the only trustee - Buyer-01/09/2026 <br> Open-Missing AUS Note was signed by only one borrower, but DU in file shows 2 borrowers. Additionally, the Risk/Eligibility #3 on the DU states a credit report from soft inquiries or fewer than three credit reporting bureaus was used. Lender to obtain three in-file merged credit report and re-submit to DU for approval. The provided AUS is invalid. - Due Diligence Vendor-01/07/2026 |  |  | XXXXXXX-Trust.pdf |  |  | XX | Second Home | Purchase | NA | 6969370 | N/A | N/A |
| XXXXXXX | 3158620462 |  | Closed | 2025-12-23 13:13 | 2026-01-06 20:17 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received PCCD and proof of delivery for $150 refund. - Due Diligence Vendor-01/07/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <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: Verification 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-01/06/2026 <br> Returned-. - Buyer-12/30/2025 <br> Escalated-pending review - Seller-12/30/2025 <br> Open-Document Uploaded. Dispute - LE with valid CIC in file - borrower locked rate is a valid reason for discount points to increase (.841% to lock rate .915%)- signed lock agreement in file - Seller-12/30/2025 <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, Washington Foreclosure Prevention Fee, Verification 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-12/23/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 | Escalated-pending review - Seller-12/30/2025<br>| Resolved-Received PCCD and proof of delivery for $150 refund. - Due Diligence Vendor-01/07/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6767618 | N/A | N/A |
| XXXXXXX | 3158620462 |  | Closed | 2025-12-23 13:13 | 2026-01-06 20:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-. - Due Diligence Vendor-01/07/2026 <br>Cured-Received PCCD and proof of delivery for $150 refund. - Due Diligence Vendor-01/06/2026 <br>Resolved- - Due Diligence Vendor-01/06/2026 <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: Verification 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-01/06/2026 <br>Returned-. - Buyer-12/30/2025 <br>Escalated-pending review - Seller-12/30/2025 <br>Open-Document Uploaded. Dispute - please review refund for VOE fee and LOE for Foreclosure fee located in file - Seller-12/30/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Washington Foreclosure Prevention Fee, Verification 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-12/23/2025 <br>Open- - Due Diligence Vendor-12/29/2025 <br>Open- - Due Diligence Vendor-12/23/2025 <br>Open- - Due Diligence Vendor-12/23/2025 <br>Open- - Due Diligence Vendor-12/23/2025 <br>Open- - Due Diligence Vendor-12/23/2025 <br>Open- - Due Diligence Vendor-12/23/2025 | Escalated-pending review - Seller-12/30/2025<br>| Resolved-. - Due Diligence Vendor-01/07/2026 <br>Cured-Received PCCD and proof of delivery for $150 refund. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX - VOE fee Refund - Forclosure Prevention fee LOE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6767619 | N/A | N/A |
| XXXXXXX | 3158620462 |  | Seller | 2025-12-29 13:01 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025 |  | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6838270 | N/A | N/A |
| XXXXXXX | 3158620464 |  | Closed | 2025-12-23 07:46 | 2025-12-23 07:46 | Acknowledged | 2 - Non-Material | 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-12/23/2025 |  | 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-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6757986 | Investor Post-Close | No |
| XXXXXXX | 3158620465 |  | Closed | 2026-01-10 15:04 | 2026-01-10 15:11 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/10/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/10/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7024159 | Investor Post-Close | No |
| XXXXXXX | 3158620465 |  | Closed | 2025-12-30 11:48 | 2026-01-10 15:11 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-. - Due Diligence Vendor-01/10/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. please review CDA - Buyer-01/08/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/30/2025 |  | Resolved-. - Due Diligence Vendor-01/10/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026<br>| CDA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6857223 | N/A | N/A |
| XXXXXXX | 3158620465 |  | Closed | 2025-12-30 12:36 | 2026-01-06 10:04 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/06/2026 <br>Returned-DTI exception granted - Buyer-12/31/2025 <br>Open-Audited DTI of 45.05% exceeds Guideline DTI of 43% - Due Diligence Vendor-12/30/2025 |  | Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX.pdf |  | $15K/month disposable income<br> 28 months post-closing reserves<br> Employment stability<br> REO equity | XX | Primary Residence | Purchase | NA | 6858082 | Originator Post-Close | Yes |
| XXXXXXX | 3158620475 |  | Closed | 2025-12-30 06:27 | 2026-01-13 08:51 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-appraisal delivery document provided - Due Diligence Vendor-01/13/2026 <br> Counter-The appraisal was provided to the borrower XX/XX/XXXX, however, the appraisal was not signed until XX/XX/XXXX. Provide verification that the borrower received the most recent version of the appraisal. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. borrower receipt in file and waiver - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Resolved-ECOA Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-. - Due Diligence Vendor-01/05/2026 <br> Returned-Document Uploaded. Do Not Concur - waiver in file - Buyer-12/31/2025 <br> Open-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely Documentation in the file indicate the appraisal was not delivered 3 days prior to close and no Appraisal Delivery Waiver was noted. - Due Diligence Vendor-12/30/2025 |  | Resolved-appraisal delivery document provided - Due Diligence Vendor-01/13/2026 <br>Resolved-ECOA Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-01/05/2026<br>| XXXXXXX.pdf<br> XXXXXXX.pdf<br> XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6848900 | N/A | N/A |
| XXXXXXX | 3158620476 |  | Closed | 2026-01-06 07:45 | 2026-01-09 08:36 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-. - Due Diligence Vendor-01/09/2026 <br> Resolved- - Due Diligence Vendor-01/08/2026 <br> Resolved- - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Refund documentation uploaded 01/07/26. - Seller-01/07/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <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: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated (XX/XX/XXXX), reflects a Credit report of $XX. (Final / Post-Closing) CD dated XX/XX/XXXX reflects a Credit report $XX. The loan file did not contain a valid COC to support the increase. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 | Ready for Review-Refund documentation uploaded 01/07/26. - Seller-01/07/2026<br>| Resolved-. - Due Diligence Vendor-01/09/2026 <br>Resolved- - Due Diligence Vendor-01/08/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6931634 | N/A | N/A |
| XXXXXXX | 3158620476 |  | Closed | 2026-01-06 07:45 | 2026-01-08 15:30 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Received refund documentation. - Due Diligence Vendor-01/08/2026 <br> Cured-Received refund documentation. - Due Diligence Vendor-01/08/2026 <br> Returned- - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. please review refund issued (in file) prior to XXXX review - Buyer-01/07/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <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: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated (XX/XX/XXXX), reflects a Credit report of $XX. (Final / Post-Closing) CD dated XX/XX/XXXX reflects a Credit report $XX. The loan file did not contain a valid COC to support the increase. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 |  | Cured-Received refund documentation. - Due Diligence Vendor-01/08/2026 <br>Cured-Received refund documentation. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6931633 | N/A | N/A |
| XXXXXXX | 3158620484 |  | Closed | 2026-01-16 16:34 | 2026-01-16 16:34 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7146787 | Investor Post-Close | No |
| XXXXXXX | 3158620491 |  | Closed | 2025-12-24 14:51 | 2026-01-10 11:15 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. please review "Other" column - Signing session verbiage E-consent date XX/XX/XXXX 2:13 - Seller-01/07/2026 <br> Counter-Documentation provided indicates that e-consent is pending. Provide verification of acceptance. Condition remains. - Due Diligence Vendor-01/06/2026 <br> Returned-please review to clear - Seller-01/02/2026 <br> Escalated-pending review - Seller-12/30/2025 <br> Open-. - Seller-12/30/2025 <br> Open-Document Uploaded. Dispute - e-Consent in file - Buyer-12/30/2025 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please review "Other" column - Signing session verbiage E-consent date XX/XX/XXXX 2:13 - Seller-01/07/2026 <br> Escalated-pending review - Seller-12/30/2025 | Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/10/2026<br>| E-sign_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6798384 | N/A | N/A |
| XXXXXXX | 3158620491 |  | Closed | 2025-12-24 15:13 | 2026-01-10 11:15 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Please see attached e-consent documentation attached to other condition on this loan. - Seller-01/09/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-12/24/2025 | Ready for Review-Please see attached e-consent documentation attached to other condition on this loan. - Seller-01/09/2026<br>| Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/10/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6799584 | N/A | N/A |
| XXXXXXX | 3158620491 |  | Closed | 2025-12-24 15:24 | 2026-01-10 11:15 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. please review e-consent - Buyer-01/08/2026 <br> Counter-Documentation not provided. Please re-upload. - Due Diligence Vendor-01/06/2026 <br> Returned-please review doc provided - Seller-01/02/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-Received e-consent verification. - Due Diligence Vendor-01/10/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/10/2026<br>| Document Package Electronic Consent_XXXXXXX - XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6799768 | N/A | N/A |
| XXXXXXX | 3158620492 |  | Closed | 2025-12-23 11:33 | 2026-01-09 11:46 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Unable to Resolve-. - Due Diligence Vendor-01/09/2026 <br> Unable to Resolve-Unable to Resolve-Acknowledge - accept EVB - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-EVB accepted - Buyer-01/05/2026 <br> Counter-The appraisal was not signed until XX/XX/XXXX and should have been provided to the borrower once signed. Condition remains. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-. - Due Diligence Vendor-01/05/2026 <br> Returned-. - Buyer-01/02/2026 <br> Escalated-Document Uploaded. Dispute - appraisal sent by email - effective date of appraisal is XX/XX/XXXX - Buyer-12/30/2025 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 |  | Acknowledged-Unable to Resolve-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-EVB accepted - Buyer-01/05/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 | XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6763636 | Originator Post-Close | No |
| XXXXXXX | 3158620503 |  | Buyer | 2025-12-23 22:28 | 2026-01-12 05:58 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Unable to Resolve-Unable to Resolve-EVB accepted - Buyer-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6779400 | N/A | N/A |
| XXXXXXX | 3158620505 |  | Closed | 2026-01-07 05:50 | 2026-01-07 05:50 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6954510 | Investor Post-Close | No |
| XXXXXXX | 3158620515 |  | Closed | 2026-01-05 10:33 | 2026-01-12 13:37 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved- - Due Diligence Vendor-01/12/2026 <br>Resolved-Resolved. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Please clear. Timing issue was resolved with other citing for "Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application" - Buyer-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 <br>Open- - Due Diligence Vendor-01/05/2026 |  | Resolved- - Due Diligence Vendor-01/12/2026 <br>Resolved-Resolved. - Due Diligence Vendor-01/12/2026 <br>Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6916199 | N/A | N/A |
| XXXXXXX | 3158620515 |  | Closed | 2026-01-05 10:33 | 2026-01-07 17:53 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Saturdays are excluded. Condition resolved. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Do not concur. Per Funding Request Form, Application Date was Wednesday, XX/XX/XXXX. Monday, XX/XX/XXXX, was a holiday. Initial LE was dated Tuesday, XX/XX/XXXX, which is 3 business days after XX/XX/XXXX. - Buyer-01/07/2026 <br> Open- - Due Diligence Vendor-01/05/2026 |  | Resolved-. - Due Diligence Vendor-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6916200 | N/A | N/A |
| XXXXXXX | 3158620515 |  | Closed | 2026-01-05 10:25 | 2026-01-05 10:25 | Acknowledged | 2 - Non-Material | 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-01/05/2026 |  | 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-01/05/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6916038 | Investor Post-Close | No |
| XXXXXXX | 3158620517 |  | Closed | 2026-01-07 07:56 | 2026-01-07 07:56 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6956880 | Investor Post-Close | No |
| XXXXXXX | 3158620520 |  | Closed | 2026-01-07 06:33 | 2026-01-11 09:46 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-. - Due Diligence Vendor-01/11/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Please review uploaded e-consent. - Buyer-01/09/2026 <br>Ready for Review-Document Uploaded. Please review uploaded Initial 1003 that contains e-consent verbiage in Section 6 in the upper right hand section on page 6 of 10. - Buyer-01/08/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-01/07/2026 |  | Resolved-. - Due Diligence Vendor-01/11/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX initial 1003.pdf<br> XXXXXXX_XXXXXXX_E-Consent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6955083 | N/A | N/A |
| XXXXXXX | 3158620531 |  | Closed | 2026-01-07 08:34 | 2026-01-11 10:05 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-valid license provided.<br> - Due Diligence Vendor-01/11/2026 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please see attached active Appraiser License at time of valuation on XX/XX/XXXX issued 12/13/2023 with 12/31/2025 expiration. - Buyer-01/08/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date The appraiser was not licensed at time of application and closing date as per web search. - Due Diligence Vendor-01/07/2026 |  | Resolved-valid license provided.<br> - Due Diligence Vendor-01/11/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/11/2026<br>| Appraiser License.pdf |  |  | XX | Second Home | Purchase | NA | 6957985 | N/A | N/A |
| XXXXXXX | 3158620531 |  | Closed | 2026-01-07 09:52 | 2026-01-07 09:52 | Acknowledged | 2 - Non-Material | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 |  | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6960393 | Investor Post-Close | No |
| XXXXXXX | 3158620537 |  | Closed | 2025-12-29 05:25 | 2025-12-29 05:25 | Acknowledged | 2 - Non-Material | 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-12/29/2025 |  | 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-12/29/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6827440 | Investor Post-Close | No |
| XXXXXXX | 3158620544 |  | Closed | 2026-01-14 10:11 | 2026-01-16 18:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br> Acknowledged- - Due Diligence Vendor-01/14/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7087145 | Investor Post-Close | No |
| XXXXXXX | 3158620544 |  | Closed | 2025-12-24 14:08 | 2026-01-14 10:18 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-. - Due Diligence Vendor-01/14/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please review uploaded HOI effective XX/XX/XXXX. - Buyer-01/14/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX The effective date of the Hazard Insurance XX/XX/XXXX is after the Note Date and after the Disbursement date of XX/XX/XXXX. - Due Diligence Vendor-12/24/2025 |  | Resolved-. - Due Diligence Vendor-01/14/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/14/2026 | XXXXXXX_XXXXXXX_HOI.pdf |  |  | XX | Primary Residence | Purchase | NA | 6796253 | N/A | N/A |
| XXXXXXX | 3158620544 |  | Closed | 2025-12-26 10:15 | 2026-01-14 10:11 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please review uploaded Appraisal Acknowledgement and proof of appraisal delivery. - Buyer-01/14/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/14/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025<br>| XXXXXXX_XXXXXXX_Acknowledgment.pdf<br> XXXXXXX_XXXXXXX_Delivery.pdf |  |  | XX | Primary Residence | Purchase | NA | 6812163 | N/A | N/A |
| XXXXXXX | 3158620550 |  | Closed | 2026-01-07 09:31 | 2026-01-10 12:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-. - Due Diligence Vendor-01/10/2026 <br> Resolved-Earlier signature date acceptable on non-rescindable transaction. Condition cleared. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Do not concur. Co-borrower e-signed on XX/XX/XXXX. - Buyer-01/08/2026 <br> Open-The last Loan Estimate Received Date of (XX/XX/XXXX) is not 4 business days before the consummation date of (XX/XX/XXXX). Four business days before consummation is (XX/XX/XXXX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) Re-disclosed LE reflects Date Issued of XX/XX/XXXX. Borrower acknowledged receipt of re-disclosed LE on XX/XX/XXXX which is less than 4 business days prior to consummation. No Cure.<br> - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-. - Due Diligence Vendor-01/10/2026 <br>Resolved-Earlier signature date acceptable on non-rescindable transaction. Condition cleared. - Due Diligence Vendor-01/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6959853 | N/A | N/A |
| XXXXXXX | 3158620551 |  | Closed | 2026-01-08 08:52 | 2026-01-12 14:32 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Completed gift letter provided - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please review uploaded gift letter with donation dollar amount present. It appears the letter in the bulk upload did not transfer with all fields reflecting populated information. - Buyer-01/12/2026 <br>Counter-The Gift letter in file is missing the dollar amount of the gift. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-. - Buyer-01/09/2026 <br>Ready for Review-Please advise what information is missing on the gift letter. Gift letter contains amount of donation, donor, recipients, property address, source of funds, how funds were delivered, and was e-signed and dated by all parties. - Buyer-01/09/2026 <br>Open-Gift Documentation Incomplete. Gift Letter is missing information. - Due Diligence Vendor-01/08/2026 |  | Resolved-Completed gift letter provided - Due Diligence Vendor-01/12/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6981375 | N/A | N/A |
| XXXXXXX | 3158620552 |  | Closed | 2025-12-30 10:26 | 2026-01-19 10:03 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-. - Due Diligence Vendor-01/19/2026 <br> Resolved-Secondary valuation supports the purchase price which was used to LTV calculation. Condition cleared. - Due Diligence Vendor-01/12/2026 <br> Escalated-. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Per Collateral UW notes, LTV calculation is based on the lower sales price of $X,XXX,XXX.XX which is supported by the CDA in file. - Buyer-01/07/2026 <br> Counter-Received a CDA already reviewed. The CDA has a 24.29% variance and the CU in file has a score of 2.6. A secondary valuation supporting the origination appraisal is missing. Condition remains. - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. Please review uploaded CDA. CDA Report indicates lower value, but is still greater than the sales price. - Buyer-12/31/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/30/2025 |  | Resolved-. - Due Diligence Vendor-01/19/2026 <br>Resolved-Secondary valuation supports the purchase price which was used to LTV calculation. Condition cleared. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6855313 | N/A | N/A |
| XXXXXXX | 3158620552 |  | Closed | 2026-01-12 11:40 | 2026-01-12 11:40 | Open | 3 - Material | Property | Value | Secondary Valuation Product Only Supports Value Used to Calculate LTV | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-01/12/2026 |  | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7045536 | Investor Post-Close | No |
| XXXXXXX | 3158620553 |  | Closed | 2025-12-24 08:25 | 2026-01-12 10:44 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Please escalate. The subject 1st lien construction line was paid off through this transaction and a close out letter is not required. - Seller-01/08/2026 <br>Counter-The lender must agree to close the HELOC account, not just stop future draws. Condition remains. - Due Diligence Vendor-01/07/2026 <br>Returned-Do not concur. HELOC closure letter is not required as the HELOC being paid off is the first lien and is part of a construction to perm refinance. - Seller-01/05/2026 <br>Escalated-Do not concur. HELOC closure letter is not required as the HELOC being paid off is the first lien and is part of a construction to perm refinance.<br> - Seller-12/30/2025 <br>Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. The credit report indicates that the existing mortgage paid off was a line of credit. The loan file is missing the HELOC Closure Letter. - Due Diligence Vendor-12/24/2025 | Ready for Review-Please escalate. The subject 1st lien construction line was paid off through this transaction and a close out letter is not required. - Seller-01/08/2026 <br>Escalated-Do not concur. HELOC closure letter is not required as the HELOC being paid off is the first lien and is part of a construction to perm refinance.<br> - Seller-12/30/2025<br>| Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6787237 | N/A | N/A |
| XXXXXXX | 3158620553 |  | Closed | 2025-12-24 08:27 | 2026-01-12 10:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Please escalate. The subject 1st lien construction line was paid off through this transaction and a close out letter is not required. - Seller-01/09/2026 <br>Counter-. - Due Diligence Vendor-01/07/2026 <br>Returned-Do not concur. HELOC closure letter is not required as the HELOC being paid off is the first lien and is part of a construction to perm refinance. - Buyer-01/05/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing HELOC Closure Letter. - Due Diligence Vendor-12/24/2025 | Ready for Review-Please escalate. The subject 1st lien construction line was paid off through this transaction and a close out letter is not required. - Seller-01/09/2026<br>| Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6787263 | N/A | N/A |
| XXXXXXX | 3158620553 |  | Closed | 2025-12-24 07:36 | 2026-01-12 07:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Unable to Resolve-EVB accepted - Due Diligence Vendor-01/12/2026 <br> Unable to Resolve-Unable to Resolve-EVB accepted - Buyer-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-Unable to Resolve-EVB accepted - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6786432 | Originator Post-Close | No |
| XXXXXXX | 3158620558 |  | Closed | 2025-12-31 08:51 | 2025-12-31 08:51 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/31/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6871291 | Investor Post-Close | No |
| XXXXXXX | 3158620563 |  | Closed | 2026-01-07 16:13 | 2026-01-10 16:49 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Audited Reserves of 23.79 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Do not concur. Per UW notes, assets used for reserves were all liquid accounts. The retirement accounts were not utilized. Therefore, 6 months reserves were required and verified. - Buyer-01/08/2026 <br>Open-Audited Reserves of 8.14 month(s) are less than Guideline Required Reserves of 12 month(s) allowed by client overlays. - Due Diligence Vendor-01/07/2026 |  | Resolved-Audited Reserves of 23.79 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6969863 | N/A | N/A |
| XXXXXXX | 3158620565 |  | Closed | 2026-01-07 10:16 | 2026-01-07 10:16 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6960925 | Investor Post-Close | No |
| XXXXXXX | 3158620570 |  | Buyer | 2026-01-07 11:42 | 2026-01-16 18:09 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Unable to Resolve-Unable to Resolve-. - Due Diligence Vendor-01/17/2026 <br> Resolved-Unable to Resolve-EVB accepted - Due Diligence Vendor-01/13/2026 <br> Unable to Resolve-Unable to Resolve-EVB accepted - Buyer-01/12/2026 <br> Counter-The appraisal report is not considered final until the appraiser signs it. Please provide evidence the borrower received a copy of the final appraisal in which the appraiser signed it on XX/XX/XXXX. Condition maintained. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Do not concur. Appraisal can be delivered any time after the XX/XX/XXXX Effective Date of Appraisal. The report does not need to be signed to be provided to borrower. - Buyer-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Do not concur. Appraisal can be delivered any time after the XX/XX/XXXX Effective Date of Appraisal. The report does not need to be signed to be provided to borrower. - Buyer-01/08/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/07/2026 |  | Resolved-Unable to Resolve-EVB accepted - Due Diligence Vendor-01/13/2026 |  |  |  | XX | Primary Residence | Purchase | NA | 6964132 | N/A | N/A |
| XXXXXXX | 3158620572 |  | Closed | 2025-12-24 03:28 | 2026-01-07 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Doc received. Condition cleared. - Due Diligence Vendor-01/07/2026 <br>Returned-. - Buyer-01/05/2026 <br>Escalated-Document Uploaded. A condo questionnaire is not required with the condo appraisal. The subject is a new construction, attached, townhome style condo.<br> - Buyer-12/30/2025 <br>Escalated-Document Uploaded. Please review uploaded document. - Buyer-12/30/2025 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-12/24/2025 |  | Resolved-Doc received. Condition cleared. - Due Diligence Vendor-01/07/2026<br>| XXXXXXX.pdf<br> XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6783937 | N/A | N/A |
| XXXXXXX | 3158620587 |  | Closed | 2026-01-07 08:03 | 2026-01-07 08:03 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6957038 | Investor Post-Close | No |
| XXXXXXX | 3158620602 |  | Closed | 2025-12-24 03:48 | 2026-01-14 10:41 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. See attached Privacy Notice.. - Buyer-01/13/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Resolved-Privacy Notice provided. - Due Diligence Vendor-01/14/2026 <br>Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX XXXXXXX - Privacy Notice.pdf |  |  | XX | Second Home | Purchase | NA | 6784023 | N/A | N/A |
| XXXXXXX | 3158620610 |  | Closed | 2025-12-31 12:30 | 2025-12-31 12:30 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/31/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6878385 | Originator Pre-Close | No |
| XXXXXXX | 3158620617 |  | Closed | 2025-12-31 10:51 | 2025-12-31 10:51 | Acknowledged | 2 - Non-Material | 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-12/31/2025 |  | 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-12/31/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6876192 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620625 |  | Closed | 2025-12-26 08:17 | 2025-12-26 08:17 | Acknowledged | 2 - Non-Material | 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-12/26/2025 |  | 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-12/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6810020 | Originator Post-Close | Yes |
| XXXXXXX | 3158620631 |  | Buyer | 2025-12-26 03:12 | 2026-01-12 07:17 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Unable to Resolve-Unable to Resolve-Accept Grade 2, Acknowledged. - Buyer-01/12/2026 <br> Counter-The documentation received reflects an appraisal delivery date of XX/XX/XXXX. The appraisal was not signed until XX/XX/XXXX. Provide evidence the XX/XX/XXXX version was provided to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please review proof of Appraisal delivery to borrower , attached - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX - Due Diligence Vendor-12/26/2025 |  |  | XXXXXXX-appraisal-delivery.pdf |  |  | XX | Primary Residence | Purchase | NA | 6807091 | N/A | N/A |
| XXXXXXX | 3158620637 |  | Closed | 2026-01-12 00:12 | 2026-01-12 10:17 | Acknowledged | 2 - Non-Material | 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-01/12/2026 |  | 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-01/12/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7029253 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620642 |  | Closed | 2025-12-31 08:29 | 2026-01-09 10:31 | Acknowledged | 2 - Non-Material | 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-12/31/2025 |  | 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-12/31/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6870784 | Investor Post-Close | No |
| XXXXXXX | 3158620645 |  | Closed | 2025-12-31 14:26 | 2025-12-31 14:26 | Acknowledged | 2 - Non-Material | 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-12/31/2025 |  | 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-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6880800 | Investor Post-Close | No |
| XXXXXXX | 3158620654 |  | Closed | 2025-12-31 04:37 | 2026-01-10 15:49 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do not concur-Please review the document ComplianceEase Report attached confirms Deed Recording $XX, \*\*Mortgage Recording $XX Foreclosure Prevention fee\*\*, and Mortgage Recording $XX. This itemization aligns with the Post Closing Disclosure section E. $XX and also confirms the Foreclosure Prevention fee was disclosed to the borrower. - Buyer-01/08/2026 <br> Counter-Received a fee itemization doc already reviewed. The doc is dated XX/XX/XXXX and the fees do not match the final or PCCD. The Note date is XX/XX/XXXX. Condition remains. - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. Please review itemization of Loan Costs, XX Foreclosure Prevention fee included to Buyer. - Buyer-01/05/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open-XX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved- - Due Diligence Vendor-01/10/2026<br>| XXXXXXX-WA-FORECLOSURE-PREVENT-FEE.pdf<br> XXXXXXX-WA-FORECLOSURE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6867260 | N/A | N/A |
| XXXXXXX | 3158620659 |  | Closed | 2026-01-02 12:56 | 2026-01-02 12:56 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/02/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6899656 | Investor Post-Close | No |
| XXXXXXX | 3158620666 |  | Closed | 2026-01-07 17:28 | 2026-01-07 20:56 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/08/2026 <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-01/07/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 6971052 | Investor Post-Close | No |
| XXXXXXX | 3158620671 |  | Closed | 2025-12-30 10:40 | 2025-12-30 10:41 | Acknowledged | 2 - Non-Material | 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-12/30/2025 |  | 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-12/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6855866 | Originator Post-Close | Yes |
| XXXXXXX | 3158620682 |  | Closed | 2026-01-13 08:10 | 2026-01-16 15:58 | Open | 3 - Material | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged- - Due Diligence Vendor-01/16/2026 <br>Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7059633 | Investor Post-Close | No |
| XXXXXXX | 3158620682 |  | Closed | 2026-01-09 14:33 | 2026-01-13 08:13 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. See attached CDA - Buyer-01/13/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. The original appraisal report reflects a value of $X,XXX,XXX.XX. The post-close AVM reflects a value of $XXX,XXX.XX, which is 14.37% lower than the original value, this exceeds the allowed tolerance of 0%. A valid secondary valuation supporting the original appraisal value is required. - Due Diligence Vendor-01/09/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/13/2026<br>| XXXXXXX XXXXXXX - CDA.pdf |  |  | XX | Primary Residence | Purchase | NA | 7014741 | N/A | N/A |
| XXXXXXX | 3158620684 |  | Closed | 2026-01-02 16:27 | 2026-01-16 18:15 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 46.12% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 46.12% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026<br>|  |  | 31 tradelines all paid as agreed<br> C1 employed 12.5 Years<br> C2 employed 2.3 Years  | XX | Primary Residence | Purchase | NA | 6902963 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620684 |  | Closed | 2025-12-26 15:45 | 2026-01-11 12:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026 <br> Resolved- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Buyer-01/09/2026 <br> Counter-Finding has been updated to remove Processing fee and account for the decrease in the Lender credit. If a valid COC cannot be provided (verification of pricing changes, rate lock, etc..) then Provide Letter of Explanation, Proof of Refund in the amount of $XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Returned- - Due Diligence Vendor-01/08/2026 <br> Returned- - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. Do Not Concur. The Flood Determination and Flood Life of Loan fees did increase from $2.25 each (the loan estimates only show rounded figures but the system snip shows the whole amount) to $5 each. This was cured at closing, please see the cure of $5.50 on the final closing disclosure and system snip showing that the cure was applied to these flood fees. - Seller-01/05/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <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: Flood Certification Fee, Processing 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)). The Loan Estimate, dated (XX/XX/XXXX), reflects a (Fee name) of ($4). (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a (Fee name) of ($10). The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($6) is required - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026<br>| XXXXXXX Flood Fees.pdf<br> XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6820119 | N/A | N/A |
| XXXXXXX | 3158620684 |  | Closed | 2025-12-26 15:45 | 2026-01-11 12:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026 <br> Resolved- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Seller-01/09/2026 <br> Counter-Finding has been updated to remove Processing fee and account for the decrease in the Lender credit. If a valid COC cannot be provided (verification of pricing changes, rate lock, etc..) then Provide Letter of Explanation, Proof of Refund in the amount of $XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Returned- - Due Diligence Vendor-01/08/2026 <br> Returned- - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. Do Not Concur. The Flood Determination and Flood Life of Loan fees did increase from $2.25 each (the loan estimates only show rounded figures but the system snip shows the whole amount) to $5 each. This was cured at closing, please see the cure of $5.50 on the final closing disclosure and system snip showing that the cure was applied to these flood fees. - Seller-01/05/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <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: Flood Certification Fee, Processing 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)). The (Flood Certification) increased on the CD dated (XX/XX/XXXX) without a valid COC. No Cure. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Seller-01/09/2026<br>| Resolved-Received pricing information - Due Diligence Vendor-01/11/2026<br>| XXXXXXX Flood Fees.pdf<br> XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6820120 | N/A | N/A |
| XXXXXXX | 3158620684 |  | Closed | 2026-01-08 11:26 | 2026-01-11 12:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Buyer-01/09/2026 <br> Open-Finding has been added/updated to remove Processing fee and account for the decrease in the Lender credit. If a valid COC cannot be provided (verification of pricing changes, rate lock, etc..) then Provide Letter of Explanation, Proof of Refund in the amount of $XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-A Lender Credit for Excess Charges of ($5.50), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,293.50) 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6988696 | N/A | N/A |
| XXXXXXX | 3158620684 |  | Closed | 2026-01-08 11:26 | 2026-01-11 12:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received pricing information - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Seller-01/09/2026 <br> Open-Finding has been added/updated to remove Processing fee and account for the decrease in the Lender credit. If a valid COC cannot be provided (verification of pricing changes, rate lock, etc..) then Provide Letter of Explanation, Proof of Refund in the amount of $XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-A Lender Credit for Excess Charges of ($5.50), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,293.50) between the baseline disclosure and the actual fee amounts. 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for the loan interest rate changing which caused the a change the loan points. The lender credit on LE v1 was premium pricing and when the rate changed so did the pricing, the premium pricing changed to positive discount points and the credit was removed. - Seller-01/09/2026<br>| Resolved-Received pricing information - Due Diligence Vendor-01/11/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Purchase | NA | 6988695 | N/A | N/A |
| XXXXXXX | 3158620685 |  | Closed | 2025-12-30 08:30 | 2025-12-30 08:31 | Acknowledged | 2 - Non-Material | 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-12/30/2025 |  | 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-12/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6850584 | Originator Post-Close | Yes |
| XXXXXXX | 3158620692 |  | Closed | 2025-12-29 09:05 | 2026-01-13 09:49 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. HOI specialist verbally confirms with the HOI agent that the policy has full replacement cost coverage please see updated RCC template. Comment box is a script for the HOI specialist to complete required fields on the right. - Buyer-01/13/2026 <br> Counter-Please provide the replacement cost estimator or something from the agent showing the rebuild amount. Without the estimated cost to rebuild amount, it cannot be determined that there is sufficient coverage. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. The comment box on the RCC template serves as a scripted guide for the information completed to the right. The template includes the required agreement that the home has replacement cost coverage and the insurance agent's name. Please re-review - Buyer-01/12/2026 <br> Counter-Received doc that confirms the HOI specialist verified the dwelling coverage is at least equal to 100% of the estimated replacement cost/cost to rebuild. Provide the Replacement cost estimator (the template states "Need to obtain: RCC verification). - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. According to procedure Article no. 41138, the HOI specialist verbally confirms with the HOI agent that the policy has full replacement cost coverage and uploads the attached template as confirmation. - Buyer-01/08/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX - Due Diligence Vendor-12/29/2025 |  | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/13/2026 | Homeowners Insurance - Hazard, Wind, Walls-in Procedure - Home Lending.pdf<br> XXXXXXX_ RCC.pdf<br> XXXXXXX_ RCC.pdf<br> XXXXXXX_RCC.pdf |  |  | XX | Primary Residence | Purchase | NA | 6830991 | N/A | N/A |
| XXXXXXX | 3158620692 |  | Closed | 2026-01-04 13:38 | 2026-01-08 12:37 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received LCA. - Due Diligence Vendor-01/08/2026 <br>Returned-Document Uploaded. - Seller-01/06/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. The CU Score is greater than 2.5. A valid secondary valuation supporting the origination appraisal value is required. - Due Diligence Vendor-01/04/2026 |  | Resolved-Received LCA. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6907558 | N/A | N/A |
| XXXXXXX | 3158620692 |  | Closed | 2026-01-04 13:38 | 2026-01-04 13:38 | Acknowledged | 2 - Non-Material | 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-01/04/2026 |  | 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-01/04/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6907560 | Investor Post-Close | No |
| XXXXXXX | 3158620695 |  | Closed | 2026-01-07 14:57 | 2026-01-16 18:16 | Waived | 2 - Non-Material | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-As per GL, Business assets are not eligible to meet minimum reserve requirements however only business asset is provided and same is being used to meet reserve requirement. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-01/17/2026 |  | Waived-As per GL, Business assets are not eligible to meet minimum reserve requirements however only business asset is provided and same is being used to meet reserve requirement. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-01/17/2026<br>|  |  | Low DTI<br> Equity in retained current primary residence | XX | Primary Residence | Purchase | NA | 6968308 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620703 |  | Closed | 2026-01-07 13:58 | 2026-01-16 18:19 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br> Cured-Received refund docs. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see PCCD and Refund that has been sent to the customer - Seller-01/12/2026 <br> Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Appears the lender did not include the Title-Mobile signing fee in the finance charges. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see PCCD and Refund that has been sent to the customer - Seller-01/12/2026<br>| Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Cured-Received refund docs. - Due Diligence Vendor-01/13/2026<br>| XXXXXXX_XXXXXXX_govt.pdf |  |  | XX | Primary Residence | Purchase | NA | 6967307 | N/A | N/A |
| XXXXXXX | 3158620710 |  | Closed | 2025-12-29 15:00 | 2026-01-16 18:19 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing income documentation | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Missing IRS Transcripts for executed 4506-C. - Due Diligence Vendor-01/17/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Missing IRS Transcripts for executed 4506-C. - Due Diligence Vendor-01/17/2026<br>|  |  | Good disposable income, low DTI, Lower LTV purchase. | XX | Primary Residence | Purchase | NA | 6840749 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620710 |  | Closed | 2025-12-29 14:44 | 2026-01-06 10:30 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned-Added Status - Seller-12/31/2025 <br> Open-Document Uploaded. The pricing changed due to expiration please see valid change in circumstance for loan discount points increasing. - Seller-12/30/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Discount Points increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 |  | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX Discount Points.pdf |  |  | XX | Primary Residence | Purchase | NA | 6840441 | N/A | N/A |
| XXXXXXX | 3158620710 |  | Closed | 2025-12-29 14:44 | 2026-01-06 10:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned-Added Status - Buyer-12/31/2025 <br> Open-Document Uploaded. The pricing changed due to expiration please see valid change in circumstance for loan discount points increasing. - Buyer-12/30/2025 <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)). The Loan Estimate, dated XX/XX/XXXX Reflects Discount Points of $XX. Final CD dated XX/XX/XXXX reflects Discount Points of $XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 |  | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX Discount Points.pdf |  |  | XX | Primary Residence | Purchase | NA | 6840440 | N/A | N/A |
| XXXXXXX | 3158620710 |  | Seller | 2025-12-25 16:51 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/25/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/25/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6805949 | N/A | N/A |
| XXXXXXX | 3158620715 |  | Closed | 2026-01-07 02:55 | 2026-01-11 12:34 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Buyer-01/09/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is (XX/XX/XXXX) however, the initial disclosures were not provided until (XX/XX/XXXX) . Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX.XX.XX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/11/2026 | XXXXXXX LE Timing HBA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6952327 | Investor Post-Close | No |
| XXXXXXX | 3158620715 |  | Closed | 2026-01-07 04:02 | 2026-01-09 09:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6953035 | N/A | N/A |
| XXXXXXX | 3158620716 |  | Closed | 2026-01-02 14:43 | 2026-01-02 15:07 | Acknowledged | 2 - Non-Material | 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-01/02/2026 |  | 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-01/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6901531 | Investor Post-Close | No |
| XXXXXXX | 3158620722 |  | Closed | 2026-01-08 08:12 | 2026-01-13 07:46 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/08/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX appraisal sent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6980143 | N/A | N/A |
| XXXXXXX | 3158620728 |  | Closed | 2025-12-26 10:41 | 2026-01-06 13:42 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received verification of actual app date. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned- - Due Diligence Vendor-01/06/2026 <br> Returned-Added Status - Buyer-12/31/2025 <br> Open-Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. - Buyer-12/30/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. Compliance will be revisited upon receipt. No Cure. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-Received verification of actual app date. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX Loan Est Timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6814404 | N/A | N/A |
| XXXXXXX | 3158620728 |  | Seller | 2025-12-24 05:09 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6784554 | N/A | N/A |
| XXXXXXX | 3158620734 |  | Closed | 2026-01-07 17:03 | 2026-01-16 18:20 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-A Lender Exception is in the loan file allowing the use of new employment 1 day over 90 days. Adequate Comp factors were provided. - Due Diligence Vendor-01/17/2026 <br>Waived-Income and Employment Do Not Meet Guidelines Guidelines require borrower to begin new employment within 90 days of close. A Lender Exception is in the loan file allowing the use of new employment 1 day over 90 days. Adequate Comp factors were provided. - Due Diligence Vendor-01/07/2026 |  | Waived-A Lender Exception is in the loan file allowing the use of new employment 1 day over 90 days. Adequate Comp factors were provided. - Due Diligence Vendor-01/17/2026 <br>Waived-Income and Employment Do Not Meet Guidelines Guidelines require borrower to begin new employment within 90 days of close. A Lender Exception is in the loan file allowing the use of new employment 1 day over 90 days. Adequate Comp factors were provided. - Due Diligence Vendor-01/07/2026<br>|  |  | Disposable Income<br> Low Ratios<br> Good Employment History<br> Strong Reserves | XX | Primary Residence | Purchase | NA | 6970655 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620734 |  | Closed | 2026-01-07 07:57 | 2026-01-11 18:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received HOA doc. - Due Diligence Vendor-01/12/2026 <br>Counter-Received info for the subject property. REO1 (departing residence) appears to be a PUD. Provide verification of HOA fees for the retained departing residence. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please verify, see info provided, no evidence of an HOA or payments due to an HOA located. - Buyer-01/08/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Require supporting documentation (HOA) to verify the monthly payment REO1 property. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received HOA doc. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX HOA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6956930 | N/A | N/A |
| XXXXXXX | 3158620734 |  | Closed | 2026-01-07 07:59 | 2026-01-11 18:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received HOA doc. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. see attached, the HOA is $15 per month - Buyer-01/11/2026 <br>Counter-Received info for the subject property. REO1 (departing residence) appears to be a PUD. Provide verification of HOA fees for the retained departing residence. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br>Open-Require supporting documentation (HOA) to verify the monthly payment REO1 property. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received HOA doc. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX.pdf<br> HOA for XXXXXXX XXXXXXX XXXXXXX per google search.docx |  |  | XX | Primary Residence | Purchase | NA | 6956942 | N/A | N/A |
| XXXXXXX | 3158620740 |  | Closed | 2026-01-09 12:39 | 2026-01-09 20:26 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/10/2026 <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-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7012232 | Originator Post-Close | No |
| XXXXXXX | 3158620742 |  | Closed | 2025-12-26 08:50 | 2026-01-12 14:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/08/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6810557 | N/A | N/A |
| XXXXXXX | 3158620742 |  | Closed | 2025-12-26 08:50 | 2026-01-12 14:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX - Seller-01/05/2026 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/08/2026 | XXXXXXXLe timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6810559 | N/A | N/A |
| XXXXXXX | 3158620744 |  | Closed | 2026-01-07 15:57 | 2026-01-16 18:21 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 43.36% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026 |  | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 43.36% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026<br>|  |  | Disposable Income<br> High FICO | XX | Primary Residence | Purchase | NA | 6969591 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620744 |  | Closed | 2026-01-07 13:57 | 2026-01-10 13:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received confirmation of receipt date. - Due Diligence Vendor-01/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. The customer received the closing disclosure electronically on XX/XX/XXXX, please see system snips showing electronic receipt by the customer. - Buyer-01/08/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-Received confirmation of receipt date. - Due Diligence Vendor-01/10/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/10/2026<br>| XXXXXXX CD Receipt.pdf |  |  | XX | Primary Residence | Purchase | NA | 6967298 | N/A | N/A |
| XXXXXXX | 3158620745 |  | Closed | 2026-01-02 08:12 | 2026-01-02 08:12 | Acknowledged | 2 - Non-Material | 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-01/02/2026 |  | 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-01/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6892073 | Investor Post-Close | No |
| XXXXXXX | 3158620758 |  | Closed | 2026-01-02 10:32 | 2026-01-02 10:32 | Acknowledged | 2 - Non-Material | 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-01/02/2026 |  | 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-01/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6895994 | Investor Post-Close | No |
| XXXXXXX | 3158620762 |  | Closed | 2026-01-07 14:02 | 2026-01-16 18:21 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br> Waived-C2 has only 2 trades reporting on the CBR with 1 of these having current activity. C2 has credit opened since XX with both trades reflecting long term histories paid as agreed. - Due Diligence Vendor-01/17/2026 |  | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br> Waived-C2 has only 2 trades reporting on the CBR with 1 of these having current activity. C2 has credit opened since XX/XX with both trades reflecting long term histories paid as agreed. - Due Diligence Vendor-01/17/2026 |  |  | C2 thin credit is approved with approval subject to satisfactory verification of rental payments.<br> C2 has stable employment of 5 years<br> C1 has 6 trades reporting, 5 with more than 12 mos history, credit opened since 5/2014 with all paid as agreed. <br> C1 also has good employment stability of 14 years | XX | Primary Residence | Purchase | NA | 6967392 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620762 |  | Closed | 2026-01-07 11:19 | 2026-01-10 14:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC - Due Diligence Vendor-01/10/2026 <br> Resolved- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid change of circumstance showing property type change to NY CEMA on XX/XX/XXXX and disclosure of update NY fees on XX/XX/XXXX. - Seller-01/08/2026 <br> Open-A Lender Credit for Excess Charges of ($XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX) 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. NY Attorney fee, Assignment fee and the Recording fee increased without a valid COC. If a valid COC cannot be provided, then provide corrected CD, evidence of $X Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid change of circumstance showing property type change to NY CEMA on XX/XX/XXXX and disclosure of update NY fees on XX/XX/XXXX. - Seller-01/08/2026 | Resolved-Received COC - Due Diligence Vendor-01/10/2026<br>| XXXXXXX CIC NY CEMA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6963491 | N/A | N/A |
| XXXXXXX | 3158620762 |  | Closed | 2026-01-07 11:19 | 2026-01-10 14:08 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. - Due Diligence Vendor-01/10/2026 <br> Resolved- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid change of circumstance showing property type change to NY CEMA on XX/XX/XXXX and disclosure of update NY fees on XX/XX/XXXX. - Buyer-01/08/2026 <br> Open-A Lender Credit for Excess Charges of ($XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX) between the baseline disclosure and the actual fee amounts. 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. NY Attorney fee, Assignment fee and the Recording fee increased without a valid COC. If a valid COC cannot be provided, then provide corrected CD, evidence of $XX Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.<br> - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX CIC NY CEMA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6963489 | N/A | N/A |
| XXXXXXX | 3158620767 |  | Closed | 2026-01-09 07:50 | 2026-01-16 18:22 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-B2 is non-occupant and will not be vested on Title. Guidelines require non-occupants to be vested on title. - Due Diligence Vendor-01/17/2026 |  | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-B2 is non-occupant and will not be vested on Title. Guidelines require non-occupants to be vested on title. - Due Diligence Vendor-01/17/2026<br>|  |  | High Fico, low DTI, good disposable income and good reserves. | XX | Primary Residence | Purchase | NA | 7002704 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620767 |  | Closed | 2026-01-09 05:48 | 2026-01-12 13:21 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please see Homeownership Counseling Document provided to customer. - Buyer-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |  | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/12/2026 <br>Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026<br>| XXXXXXX Homeownership Counseling1.pdf<br> XXXXXXX Homeownership Counseling2.pdf |  |  | XX | Primary Residence | Purchase | NA | 7001232 | N/A | N/A |
| XXXXXXX | 3158620767 |  | Closed | 2026-01-09 05:57 | 2026-01-12 13:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-01/12/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/12/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/12/2026 <br> Ready for Review-The other income was addressed on the credit exception - Buyer-01/12/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements An income source categorized as 'Other' in the amount of $XX has been reported for B2 on Form 1003. However, the supporting documentation for this income is currently missing. - Due Diligence Vendor-01/09/2026 |  | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7001314 | N/A | N/A |
| XXXXXXX | 3158620767 |  | Closed | 2026-01-09 05:48 | 2026-01-12 13:21 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/12/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please see system snip of customer's e-consent acceptance - Buyer-01/12/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/09/2026 |  | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX Econsent.pdf |  |  | XX | Primary Residence | Purchase | NA | 7001233 | N/A | N/A |
| XXXXXXX | 3158620767 |  | Closed | 2026-01-09 08:02 | 2026-01-12 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Income docs provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-The other income is K'1 income from the following sources, the income docs should all be in the credit file delivered to XXXX. This is from UW Notes to the file: XXXXXXX XXX XXXXXXXXXXXX XXXXXXX XXX-XXXX-$XX and 2023<br> $XX=$XX/24=$XX<br> Income:$XX<br>XXXXXXX XXX XXXXXXXX XXXXXX XXX-2024-$XX and<br> 2023-$XX=$XX/24=$XX<br> Income: $XX<br>XXXXXXX XXX XXXXXXXXXX XXXX XXX-2024-$XX and 2023-$XX<br> =$XX/24=$XX<br> Income$X - Seller-01/10/2026 <br> Open-An income source categorized as 'Other' in the amount of $XX has been reported for B2 on Form 1003. However, the supporting documentation for this income is currently missing. - Due Diligence Vendor-01/09/2026 | Ready for Review-The other income is K'1 income from the following sources, the income docs should all be in the credit file delivered to Opus. This is from UW Notes to the file: XXXXXXX XXX XXXXXXXXXXXX XXXXXX XXX-2024-$267588 and 2023<br> $240940=$508528/24=$21188.67<br> Income:$21188.67<br>XXXXXXX XXX XXXXXXXX XXXXXX XXX-2024-$152264 and<br> 2023-$104878=$257142/24=$10714.25<br> Income: $10714.25<br>XXXXXXX XXX XXXXXXXXXXX XXXX XXX-2024-$190140 and 2023-$147066<br> =$337206/24=$14050.25<br> Income$14050.25 - Seller-01/10/2026 | Resolved-Income docs provided - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7002876 | N/A | N/A |
| XXXXXXX | 3158620769 |  | Closed | 2025-12-24 07:59 | 2026-01-14 10:36 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-. - Due Diligence Vendor-01/14/2026 <br> Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Conditional Commitment was sent within the app pck via DocMagic XX.XX.XX - Buyer-01/13/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-12/24/2025 |  | Resolved-. - Due Diligence Vendor-01/14/2026 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-01/14/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX Tool kit.pdf |  |  | XX | Primary Residence | Purchase | NA | 6786741 | N/A | N/A |
| XXXXXXX | 3158620769 |  | Closed | 2026-01-10 09:47 | 2026-01-10 10:35 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/10/2026 <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-01/10/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7023443 | Investor Post-Close | No |
| XXXXXXX | 3158620769 |  | Closed | 2025-12-30 09:38 | 2026-01-10 10:34 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Received AVM. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/10/2026 <br>Counter-Received completion cert previously reviewed and is for the appraisal in file. CU score 5. Provide a valid secondary valuation that supports the origination appraised value. Condition remains. - Due Diligence Vendor-01/06/2026 <br>Returned-Document Uploaded. Appraisal update uploaded - Buyer-12/31/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received AVM. - Due Diligence Vendor-01/10/2026<br>| Appraisal.pdf<br> XXXXXXX_AVM.pdf |  |  | XX | Primary Residence | Purchase | NA | 6852550 | N/A | N/A |
| XXXXXXX | 3158620769 |  | Closed | 2025-12-24 12:54 | 2026-01-10 10:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received pricing info and COCs. - Due Diligence Vendor-01/10/2026 <br> Resolved- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Section E tolerance violation already cured at closing. XXXX has the inccorrect baseline amount. Lev1 baseline for section E recording fees $320+ $32.00=$352. Actual charged at closing $360. Cure amount of $8.00 is already cured at closing<br> Mansion Tax- chase received and reviewed the purchase contract stating customer will pay half to the transfer taxes. Valid CIC XX.XX.XX and LE disclosed timely same day.<br> Final Inspection in section B already cured at closing. The Final inspection fee in section A was required. XXXXX received the appraisal XX/XX/XXXX and per installation of sod and valid CIC the final inspection was required. Lev4 disclosed timely to the customer XX/XX/XXXX<br> Lender credit decrease- Valid CICs XX.XX.XX for Interest rate and loan points decreased premium pricing to positive loan points. Lev6 disclosed timely XX.XX.XX - Seller-01/07/2026 <br> Counter- - Due Diligence Vendor-01/06/2026 <br> Open-A Lender Credit for Excess Charges of ($193.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX) between the baseline disclosure and the actual fee amounts. 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. The "charges that can increase by 10%" have a $15 variance (recording fee and Filing fee). Charges that cannot increase (tax stamps $8875, 2 Inspection fees $185 & $185) and Lender credit that decreased from $4146) total is $13,391. $13,391+$15 = $13,406 total fee variance. Only $193 was applied to the variance. If COCs cannot be provided (tax stamps, 2 Inspection fees and, Lender credit) a tolerance cure of $13,213 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. Do not Concur. Lender credit was never a variance of $13406.80. The cure in the amount of $193 is for section B and E tolerance violation - Seller-01/02/2026 <br> Open-A Lender Credit for Excess Charges of ($193.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($13,406.80) between the baseline disclosure and the actual fee amounts. 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. COC's were not provided to verify change in fees. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Do not Concur. Section E tolerance violation already cured at closing. XXXX has the inccorrect baseline amount. Lev1 baseline for section E recording fees $320+ $32.00=$352. Actual charged at closing $360. Cure amount of $8.00 is already cured at closing<br> Mansion Tax- XXXXX received and reviewed the purchase contract stating customer will pay half to the transfer taxes. Valid CIC XX/XX/XXXX and LE disclosed timely same day.<br> Final Inspection in section B already cured at closing. The Final inspection fee in section A was required. XXXXX received the appraisal XX/XX/XXXX and per installation of sod and valid CIC the final inspection was required. Lev4 disclosed timely to the customer XX.XX.XX<br> Lender credit decrease- Valid CICs XX/XX/XXXX for Interest rate and loan points decreased premium pricing to positive loan points. Lev6 disclosed timely XX.XX.XX - Seller-01/07/2026 | Resolved-Received pricing info and COCs. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX XXXXXXX pricing.pdf<br> XXXXXXX fee disputes.pdf |  |  | XX | Primary Residence | Purchase | NA | 6793716 | N/A | N/A |
| XXXXXXX | 3158620769 |  | Closed | 2025-12-24 12:54 | 2026-01-10 10:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received pricing info and COCs. - Due Diligence Vendor-01/10/2026 <br> Resolved- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Section E tolerance violation already cured at closing. Opus has the inccorrect baseline amount. Lev1 baseline for section E recording fees $320+ $32.00=$352. Actual charged at closing $360. Cure amount of $8.00 is already cured at closing<br> Mansion Tax- chase received and reviewed the purchase contract stating customer will pay half to the transfer taxes. Valid CIC XX.XX.XX and LE disclosed timely same day.<br> Final Inspection in section B already cured at closing. The Final inspection fee in section A was required. Chase received the appraisal XX.XX.XX and per installation of sod and valid CIC the final inspection was required. Lev4 disclosed timely to the customer XX.XX.XX<br> Lender credit decrease- Valid CICs XX.XX.XX for Interest rate and loan points decreased premium pricing to positive loan points. Lev6 disclosed timely XX.XX.XX - Buyer-01/07/2026 <br> Counter- - Due Diligence Vendor-01/06/2026 <br> Open-A Lender Credit for Excess Charges of ($193.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX) 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. The "charges that can increase by 10%" have a $15 variance (recording fee and Filing fee). Charges that cannot increase (tax stamps $8875, 2 Inspection fees $185&$185) and Lender credit that decreased from $4146) total is $13,391. $13,391+$15 = $13,406 total fee variance. Only $193 was applied to the variance. If COCs cannot be provided (tax stamps, 2 Inspection fees and, Lender credit) a tolerance cure of $13,213 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. Do not Concur. Lender credit was never a variance of $13406.80. The cure in the amount of $193 is for section B and E tolerance violation - Seller-01/02/2026 <br> Open-A Lender Credit for Excess Charges of ($193.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($13,406.80) 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. COC's were not provided to verify change in fees. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-Received pricing info and COCs. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX XXXXXXX pricing.pdf<br> XXXXXXX fee disputes.pdf |  |  | XX | Primary Residence | Purchase | NA | 6793717 | N/A | N/A |
| XXXXXXX | 3158620769 |  | Closed | 2025-12-24 13:38 | 2026-01-10 09:48 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-. - Due Diligence Vendor-01/10/2026 <br> Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Appraisal sent vial DocMagic XX.XX.XX - Seller-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Do not Concur. Appraisal sent vial DocMagic XX/XX/XXXX - Seller-01/09/2026 | Resolved-. - Due Diligence Vendor-01/10/2026 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/10/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX appraisal sent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6794573 | N/A | N/A |
| XXXXXXX | 3158620771 |  | Closed | 2025-12-24 07:38 | 2026-01-12 13:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Loan flipped from HBA "Credit Only" to Purchase with property on XX/XX/XXXX - Buyer-01/07/2026 <br> Counter-. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Counter-Please provide evidence of the actual application date. The Purchase contract was signed XX/XX/XXXX. The LE should have then been provided by XX/XX/XXXX. - Due Diligence Vendor-01/06/2026 <br> Returned-Added Status - Buyer-12/31/2025 <br> Open-Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. - Buyer-12/31/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/10/2026 | XXXXXXX Loan Est Timing.pdf<br> XXXXXXX Loan Est Timing2.pdf |  |  | XX | Second Home | Purchase | NA | 6786475 | N/A | N/A |
| XXXXXXX | 3158620771 |  | Closed | 2025-12-24 07:38 | 2026-01-12 13:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Loan flipped from HBA "Credit Only" to Purchase with property on XX/XX/XXXX. Furthermore, XX/XX/XXXX was a Sunday and not a business day so the disclosure went out on XX/XX/XXXX - Seller-01/07/2026 <br> Counter-Please provide evidence of the actual application date. The Purchase contract was signed XX/XX/XXXX. The disclosure should have then been provided by XX/XX/XXXX. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open-. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) per XX Boilerplate out of Scope - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Do Not Concur. Loan flipped from HBA "Credit Only" to Purchase with property on XX/XX/XXXX. Furthermore, XX/XX/XXXX was a Sunday and not a business day so the disclosure went out on XX/XX/XXXX - Seller-01/07/2026 | Resolved-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/10/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) per XX Boilerplate out of Scope - Due Diligence Vendor-12/24/2025 | XXXXXXX Loan Est Timing2.pdf |  |  | XX | Second Home | Purchase | NA | 6786476 | N/A | N/A |
| XXXXXXX | 3158620771 |  | Closed | 2025-12-24 07:38 | 2026-01-10 11:02 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-. - Due Diligence Vendor-01/10/2026 <br> Resolved-Applied lender credit to fee. Resolved - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. The $100 Project Processing Fee was cured at closing and should not be used in the calculation. - Seller-01/07/2026 <br> Counter-. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Counter-The lender did not include a $100 Processing fee and $7.30 verification fee per a compliance doc in the file. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower, re-open rescission if applicable. Condition remains. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Returned-Added Status - Buyer-12/31/2025 <br> Open-Document Uploaded. Do Not Concur. Please verify that $7.30 was used in the calculation for the ID Verification Fee as the exception states $73.00. The $100 Project Processing Fee was considered a pre-paid charge for the finance charge calculation, please see system snip. - Buyer-12/30/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The final Closing Disclosure reflects the Finance Charge as $X,XXX,XXX.XX vs. actual Finance Charge of $X,XXX,XXX.XX. An under disclosure of $XXX.XX which exceeds the $100 allowable tolerance for Purchase Transactions. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower, re-open rescission if applicable. It appears the lender did not include the Project Processing Fee for $100.00 and ID Verification Fee of $73.00 in the calculation. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower, re-open rescission if applicable. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Do Not Concur. The $100 Project Processing Fee was cured at closing and should not be used in the calculation. - Seller-01/07/2026<br>| Resolved-. - Due Diligence Vendor-01/10/2026 <br>Resolved-Applied lender credit to fee. Resolved - Due Diligence Vendor-01/10/2026<br>| XXXXXXX Finance Charge.pdf<br> XXXXXXX Finance Charge2.pdf |  |  | XX | Second Home | Purchase | NA | 6786474 | N/A | N/A |
| XXXXXXX | 3158620772 |  | Closed | 2026-01-07 07:45 | 2026-01-10 16:56 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please see valid change in circumstance for appraisal fee variance. - Seller-01/08/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open-A Lender Credit for Excess Charges of ($14.20), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($22.20) 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-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid change in circumstance for appraisal fee variance. - Seller-01/08/2026<br>| Resolved- - Due Diligence Vendor-01/10/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Second Home | Purchase | NA | 6956140 | N/A | N/A |
| XXXXXXX | 3158620772 |  | Closed | 2026-01-07 07:45 | 2026-01-10 16:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved- - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please see valid change in circumstance for appraisal fee variance. - Seller-01/08/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open-A Lender Credit for Excess Charges of ($14.20), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($22.20) between the baseline disclosure and the actual fee amounts. 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-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 <br>Open- - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid change in circumstance for appraisal fee variance. - Seller-01/08/2026<br>| Resolved- - Due Diligence Vendor-01/10/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Second Home | Purchase | NA | 6956136 | N/A | N/A |
| XXXXXXX | 3158620776 |  | Closed | 2025-12-24 12:17 | 2026-01-13 07:55 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX appraisals sent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6792872 | N/A | N/A |
| XXXXXXX | 3158620776 |  | Closed | 2025-12-24 12:17 | 2026-01-13 07:55 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Secondary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent secondary appraisal to applicant. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent secondary appraisal to applicant. - Due Diligence Vendor-01/13/2026 <br>Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX appraisals sent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6792871 | N/A | N/A |
| XXXXXXX | 3158620778 |  | Closed | 2026-01-07 12:34 | 2026-01-19 14:17 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received an AVM. - Due Diligence Vendor-01/10/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see attached AVM supporting value. - Buyer-01/08/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received an AVM. - Due Diligence Vendor-01/10/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX_AVM.pdf |  |  | XX | Primary Residence | Purchase | NA | 6965530 | N/A | N/A |
| XXXXXXX | 3158620778 |  | Seller | 2026-01-07 11:41 | 2026-01-14 10:04 | Counter | 3 - Material | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Counter-Actual verification that the "What Mortgage Applicants Need to Know" disclosure was provided to the borrower is required. Condition remains. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Conditional Commitment was sent within the app pck via DocMagic xx.xx.xx - Buyer-01/14/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective XX/XX/XXXX. - Due Diligence Vendor-01/07/2026 |  |  | XXXXXXX tool kit.pdf |  |  | XX | Primary Residence | Purchase | NA | 6964090 | N/A | N/A |
| XXXXXXX | 3158620781 |  | Closed | 2025-12-24 12:04 | 2026-01-16 18:23 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception request for DTI. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 48.92% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026 |  | Waived-Exception request for DTI. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 48.92% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026<br>|  |  | Good disposable income<br> Deposit relationship with Lender<br> Employment stability<br> Solid reserves | XX | Primary Residence | Purchase | NA | 6792716 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620781 |  | Closed | 2026-01-02 07:30 | 2026-01-16 18:23 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived- A lender exception is in file to use the current assets which are less than 3.5 times the loan amount and belonging to non-occupant borrowers. - Due Diligence Vendor-01/17/2026 <br>Waived-The loan was approved using the CAAP program which allows the use of assets for income. Total assets must equal 3.5 times the loan amount and must belong solely to the borrower. - Due Diligence Vendor-01/17/2026 |  | Waived- A lender exception is in file to use the current assets which are less than 3.5 times the loan amount and belonging to non-occupant borrowers. - Due Diligence Vendor-01/17/2026 <br>Waived-The loan was approved using the CAAP program which allows the use of assets for income. Total assets must equal 3.5 times the loan amount and must belong solely to the borrower. - Due Diligence Vendor-01/17/2026<br>|  |  | Good disposable income<br> Deposit relationship with Lender<br> Employment stability<br> Solid reserves | XX | Primary Residence | Purchase | NA | 6890976 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620783 |  | Closed | 2025-12-24 07:59 | 2026-01-06 08:45 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-App date is date of Purchase contract. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. - Buyer-12/31/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-App date is date of Purchase contract. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX Loan Est Timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6786742 | N/A | N/A |
| XXXXXXX | 3158620783 |  | Closed | 2025-12-26 10:19 | 2025-12-29 15:38 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/26/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6812341 | N/A | N/A |
| XXXXXXX | 3158620783 |  | Closed | 2025-12-24 08:16 | 2025-12-26 09:59 | Acknowledged | 2 - Non-Material | 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-12/24/2025 |  | 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-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6787060 | Investor Post-Close | No |
| XXXXXXX | 3158620783 |  | Seller | 2025-12-23 15:07 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-12/23/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6771756 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Closed | 2026-01-16 16:34 | 2026-01-16 16:34 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7146798 | Investor Post-Close | No |
| XXXXXXX | 3158620785 |  | Closed | 2025-12-24 05:08 | 2026-01-06 17:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date confirmation. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/06/2026 <br> Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) . - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of Scope - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-Received app date confirmation. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/06/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of Scope - Due Diligence Vendor-12/24/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6784551 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Closed | 2025-12-24 05:08 | 2026-01-06 17:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date confirmation. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned- - Due Diligence Vendor-01/06/2026 <br> Returned-. - Due Diligence Vendor-01/06/2026 <br> Returned- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. - Seller-12/31/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-Received app date confirmation. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXXLoan Est Timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6784548 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Closed | 2025-12-26 09:02 | 2025-12-29 15:43 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/26/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6810766 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Seller | 2025-12-26 08:04 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged- - Due Diligence Vendor-01/06/2026 <br> Acknowledged-. - Due Diligence Vendor-01/06/2026 <br> Acknowledged- - Due Diligence Vendor-01/06/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Acknowledged-. - Due Diligence Vendor-01/06/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-12/26/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6809857 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Seller | 2025-12-24 05:15 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6784617 | N/A | N/A |
| XXXXXXX | 3158620785 |  | Seller | 2025-12-24 05:15 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6784618 | N/A | N/A |
| XXXXXXX | 3158620786 |  | Closed | 2025-12-23 09:44 | 2026-01-10 11:45 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Received verification lender verified replacement cost and RCC. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. According to procedure Article no. 41138, the HOI specialist verbally confirms with the HOI agent that the policy has full replacement cost coverage and uploads the attached template as confirmation. - Buyer-01/08/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX - Due Diligence Vendor-12/23/2025 |  | Resolved-. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX_ RCC.pdf<br> Homeowners Insurance - Hazard, Wind, Walls-in Procedure - Home Lending.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6760198 | N/A | N/A |
| XXXXXXX | 3158620789 |  | Closed | 2026-01-08 05:17 | 2026-01-11 14:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received confirmation of date Initial CD received. - Due Diligence Vendor-01/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. The Closing Disclosure was received electronically by the customer within three days of closing, please see system snip of electronic doc receipt. - Buyer-01/09/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received confirmation of date Initial CD received. - Due Diligence Vendor-01/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/11/2026<br>| XXXXXXX CD Timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6977072 | N/A | N/A |
| XXXXXXX | 3158620789 |  | Closed | 2026-01-08 05:17 | 2026-01-11 14:40 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. - Buyer-01/09/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX. Lender provided approved exception post consummation. - Due Diligence Vendor-01/11/2026 | XXXXXXX LE Timing HBA.pdf |  |  | XX | Primary Residence | Purchase | NA | 6977073 | Investor Post-Close | No |
| XXXXXXX | 3158620792 |  | Closed | 2026-01-09 13:46 | 2026-01-12 16:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-COC for recording fee provided. - Due Diligence Vendor-01/12/2026 <br>Resolved- - Due Diligence Vendor-01/12/2026 <br>Resolved- - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for loan rate and the addition of a POA for the recording fee increase - Buyer-01/12/2026 <br>Open-The total amount of the 10% category fees ($565.00) has increased by more than 10% over the current baseline value of ($388.00). The total amount of fees in the 10% category cannot exceed ($426.80). 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 10% 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)). Tolerance cure of $138.20 to be provided within 60 days of discovery. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-COC for recording fee provided. - Due Diligence Vendor-01/12/2026 <br>Resolved- - Due Diligence Vendor-01/12/2026<br>| XXXXXXX CIC Recording fee.pdf |  |  | XX | Primary Residence | Purchase | NA | 7013681 | N/A | N/A |
| XXXXXXX | 3158620792 |  | Closed | 2026-01-09 13:46 | 2026-01-12 16:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-COC for recording fee provided. - Due Diligence Vendor-01/12/2026 <br> Resolved- - Due Diligence Vendor-01/12/2026 <br> Resolved- - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for loan rate and the addition of a POA for the recording fee increase - Seller-01/12/2026 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($565.00) has increased by more than 10% over the current baseline value of ($388.00). The total amount of fees in the 10% category cannot exceed ($426.80). 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 10% 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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $426.80. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $565.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $138.20 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Do Not Concur. Please see valid CICs for loan rate and the addition of a POA for the recording fee increase - Seller-01/12/2026<br>| Resolved-COC for recording fee provided. - Due Diligence Vendor-01/12/2026 <br>Resolved- - Due Diligence Vendor-01/12/2026<br>| XXXXXXX CIC Recording fee.pdf |  |  | XX | Primary Residence | Purchase | NA | 7013679 | N/A | N/A |
| XXXXXXX | 3158620792 |  | Seller | 2026-01-09 13:46 | 2026-01-12 16:32 | Open | 3 - Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open-Tolerance cure should be $5.50. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <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: Flood Certification Fee, Flood Determination 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)). The following fees increased on the CD dated XX/XX/XXXX without a valid COC: Flood Determination, Flood Life of Loan and Recording Fees. No Cure. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7013683 | N/A | N/A |
| XXXXXXX | 3158620792 |  | Seller | 2026-01-09 13:46 | 2026-01-12 16:02 | Open | 3 - Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Open-Tolerance cure should be $5.50. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <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: Flood Certification Fee, Flood Determination 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)). The Loan Estimate, dated XX/XX/XXXX, reflects a Flood Determination Fee of $2.00 and Flood Life of Loan Fee of $2.00. Final CD dated XX/XX/XXXX reflects Flood Determination Fee of $5.00 and Flood Life of Loan Fee of $5.00. The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of $6.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br> - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7013682 | N/A | N/A |
| XXXXXXX | 3158620800 |  | Closed | 2026-01-07 14:56 | 2026-01-13 08:55 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/07/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/07/2026<br>| XXXXXXX appraisal sent.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6968299 | N/A | N/A |
| XXXXXXX | 3158620802 |  | Closed | 2026-01-09 18:45 | 2026-01-13 09:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Condo Questionnaire not required. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. This was an expedited review, no questionnaire required, see attached guideline and procedure. - Buyer-01/13/2026 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-01/10/2026 |  | Resolved-Condo Questionnaire not required. - Due Diligence Vendor-01/13/2026<br>| Expedited Project Review - Home Lending.pdf<br>Project Approval Group Processor - Home Lending.pdf |  |  | XX | Primary Residence | Purchase | NA | 7019603 | N/A | N/A |
| XXXXXXX | 3158620802 |  | Closed | 2026-01-11 05:32 | 2026-01-11 05:32 | Acknowledged | 2 - Non-Material | 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-01/11/2026 |  | 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-01/11/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7025600 | Investor Post-Close | No |
| XXXXXXX | 3158620807 |  | Seller | 2025-12-23 07:51 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete - Due Diligence Vendor-12/23/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete - Due Diligence Vendor-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6758073 | N/A | N/A |
| XXXXXXX | 3158620809 |  | Closed | 2026-01-08 15:57 | 2026-01-12 15:36 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Rescinded-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. contract date XX/XX/XXXX home buyer advantage - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 |  | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - Due Diligence Vendor-01/12/2026 <br> Rescinded-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. contract date XX/XX/XXXX home buyer advantage - Due Diligence Vendor-01/09/2026 |  |  | Appraisal Disclosure Not Provided Timely. | XX | Primary Residence | Purchase | NA | 6994124 | N/A | N/A |
| XXXXXXX | 3158620809 |  | Closed | 2026-01-08 16:13 | 2026-01-12 15:36 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Appraisal sent via DocMagic XX.XX.XX - Buyer-01/12/2026 <br> Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present: no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/09/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX appraisal sent.pdf |  |  | XX | Primary Residence | Purchase | NA | 6994353 | N/A | N/A |
| XXXXXXX | 3158620809 |  | Closed | 2026-01-08 15:03 | 2026-01-12 15:18 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. HOI policy effective date is XX/XX/XXXX, please re-review. - Seller-01/12/2026 <br> Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of 1XX/XX/XXXX - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. HOI policy effective date is XX/XX/XXXX, please re-review. - Seller-01/12/2026 | Resolved-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-01/12/2026 | XXXXXXX_ HOI.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993213 | N/A | N/A |
| XXXXXXX | 3158620821 |  | Closed | 2026-01-11 06:15 | 2026-01-19 14:19 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. See attached CDA. - Buyer-01/12/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. Post close review product does not support value and reflects a value of $X,XXX,XXX.XX which is a 10.34% variance to the primary value used to qualify. - Due Diligence Vendor-01/11/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX - XXXXXXX - CDA.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | 7025672 | N/A | N/A |
| XXXXXXX | 3158620821 |  | Closed | 2026-01-16 16:17 | 2026-01-16 16:17 | Open | 3 - Material | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | 7146467 | Investor Post-Close | No |
| XXXXXXX | 3158620822 |  | Seller | 2025-12-22 12:56 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-RESPA: Toolkit Missing or Incomplete. Toolkit Missing - Due Diligence Vendor-12/22/2025 |  |  |  |  |  | XX | Second Home | Purchase | NA | 6743086 | N/A | N/A |
| XXXXXXX | 3158620825 |  | Closed | 2025-12-22 14:30 | 2026-01-16 18:26 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br> Cured-Received refund docs - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD and Refund package. - Buyer-01/09/2026 <br> Counter- - Due Diligence Vendor-01/06/2026 <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: Flood Determination Fee, Flood Certification 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 Letter of Explanation, Proof of $5.50 Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. LOAN POINTS- Do not Concur. Valid CICs for property type, appraised value, and Loan points occurred XX/XX/XXXX. Cdv2 disclosed timely. <br> ID VERIFICATION- Do not Concur. ID verification disclosed on the LE correctly. Note fees are rounded on the LE. No cure due back. <br> APPRAISAL-Do not Concur. Borrower lost the appraisal waiver. Appraisal was required. Valid CIC XX/XX/XXXX. Lev5 disclosed timely next day. <br> FLOOD Determinate and FLOOD CERT- Concur. Both Flood fees increased from $2.25 to $5.00, Cure due back in the amount of $5.50. Please verify that this cure amount is correct. - Buyer-12/31/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Flood Determination Fee, Flood Certification Fee, Verification Fee, Appraisal 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-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Cured-Received refund docs - Due Diligence Vendor-01/11/2026<br>| XXXXXXX fee increases.pdf<br> XXXXXXX PCCD package.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6745196 | N/A | N/A |
| XXXXXXX | 3158620825 |  | Closed | 2025-12-22 14:30 | 2026-01-16 18:25 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br> Cured-. - Due Diligence Vendor-01/11/2026 <br> Cured-Received refund docs. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD and Refund package. - Seller-01/09/2026 <br> Counter- - Due Diligence Vendor-01/06/2026 <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: Flood Determination Fee, Flood Certification 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)). Provide Letter of Explanation, Proof of $5.50 Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. LOAN POINTS- Do not Concur. Valid CICs for property type, appraised value, and Loan points occurred XX/XX/XXXX. Cdv2 disclosed timely. <br> ID VERIFICATION- Do not Concur. ID verification disclosed on the LE correctly. Note fees are rounded on the LE. No cure due back. <br> APPRAISAL-Do not Concur. Borrower lost the appraisal waiver. Appraisal was required. Valid CIC XX/XX/XXXX. Lev5 disclosed timely next day. <br> FLOOD Determinate and FLOOD CERT- Concur. Both Flood fees increased from $2.25 to $5.00, Cure due back in the amount of $5.50. Please verify that this cure amount is correct. - Seller-12/31/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <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, Flood Determination Fee, Flood Certification Fee, Verification Fee, Appraisal 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-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see attached PCCD and Refund package. - Seller-01/09/2026<br>| Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Cured-. - Due Diligence Vendor-01/11/2026 <br>Cured-Received refund docs. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX fee increases.pdf<br> XXXXXXX PCCD package.pdf<br> XXXXXXX PCCD package.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6745195 | N/A | N/A |
| XXXXXXX | 3158620828 |  | Closed | 2026-01-16 16:35 | 2026-01-16 16:35 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7146802 | Investor Post-Close | No |
| XXXXXXX | 3158620828 |  | Closed | 2026-01-07 13:15 | 2026-01-09 11:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6966341 | N/A | N/A |
| XXXXXXX | 3158620829 |  | Closed | 2026-01-07 11:28 | 2026-01-11 10:16 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA - Buyer-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX XXXXXXX - CDA.pdf |  |  | XX | Primary Residence | Purchase | Cash Out - Other | 6963739 | N/A | N/A |
| XXXXXXX | 3158620829 |  | Closed | 2026-01-10 19:07 | 2026-01-10 19:08 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/11/2026 <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-01/11/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | Cash Out - Other | 7024542 | Investor Post-Close | No |
| XXXXXXX | 3158620830 |  | Closed | 2026-01-08 14:55 | 2026-01-12 16:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Valid CIC for loan points increase of appraised value change on XX/XX/XXXX. CDv3 disclosed timely XX.XX.XX.<br> Do not concur. Valid CIC for final inspection fee required XX/XX/XXXX. See attached comments. CDv3 disclosed timely XX/XX/XXXX" - Seller-01/12/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,500.00) were applied to the total fee variance of ($5,111.40) 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. Loan Amount (Points) and inspection fee on PCCD dated XX/XX/XXXX is $6384.40 & $185. LE dated XX/XX/XXXX lists fee as $1695 & $0. This fee is in a 0% tolerance section. Lender tolerance cure of $5111.40 is required. Section J reflects $0 tolerance cure that is insufficient. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Do not Concur. Valid CIC for loan points increase of appraised value change on XX/XX/XXXX. CDv3 disclosed timely XX.XX.XX .<br> Do not concur. Valid CIC for final inspection fee required XX/XX/XXXX. See attached comments. CDv3 disclosed timely XX/XX/XXXX" - Seller-01/12/2026 | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX fees.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993055 | N/A | N/A |
| XXXXXXX | 3158620830 |  | Closed | 2026-01-08 14:55 | 2026-01-12 16:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Valid CIC for loan points increase of appraised value change on XX/XX/XXXX. CDv3 disclosed timely XX.XX.XX.<br> Do not concur. Valid CIC for final inspection fee required 9.29.25. See attached comments. CDv3 disclosed timely XX/XX/XXXX" - Buyer-01/12/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,500.00) were applied to the total fee variance of ($5,111.40) between the baseline disclosure and the actual fee amounts. 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. Loan Amount (Points) and inspection fee on PCCD dated XX/XX/XXXX is $6384.40 & $185. LE dated XX/XX/XXXX lists fee as $1695 & $0. This fee is in a 0% tolerance section. Lender tolerance cure of $5111.40 is required. Section J reflects $0 tolerance cure that is insufficient. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX fees.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993053 | N/A | N/A |
| XXXXXXX | 3158620830 |  | Closed | 2026-01-09 11:04 | 2026-01-09 11:04 | Waived | 2 - Non-Material | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/09/2026 |  | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/09/2026<br>|  |  | All REO is free and clear<br> Strong Reserve<br> Lower LTV/CLTV | XX | Primary Residence | Purchase | NA | 7010458 | Investor Post-Close | No |
| XXXXXXX | 3158620832 |  | Closed | 2025-12-23 13:25 | 2026-01-19 13:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/19/2026 <br>Resolved-Received CU score of 1. Condition cleared. - Due Diligence Vendor-01/06/2026 <br>Returned-Document Uploaded. - Seller-12/30/2025 <br>Open-Document Uploaded. Ucdp score is 1 - Buyer-12/30/2025 <br>Open-Document Uploaded. - Buyer-12/30/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. LCA 3.5 - Due Diligence Vendor-12/23/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/19/2026 <br>Resolved-Received CU score of 1. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX.pdf<br> XXXXXXX.pdf<br> XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6768053 | N/A | N/A |
| XXXXXXX | 3158620832 |  | Closed | 2025-12-23 06:52 | 2026-01-16 18:27 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 47.33% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026 |  | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 47.33% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/17/2026<br>|  |  | Qualifying with full expense of departing. RSU income not used to qualify. No payment shock. Good Credit History. Strong FICO with mtg history. | XX | Primary Residence | Purchase | NA | 6757503 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620832 |  | Closed | 2025-12-23 14:47 | 2026-01-16 18:27 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br> Waived-Guidelines require secondary employment to continue for the next three years. The borrower's contract for secondary employment ends XX/XX/XXXXand loan closed XX/XX/XXXX. - Due Diligence Vendor-01/17/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br> Waived-Guidelines require secondary employment to continue for the next three years. The borrower's contract for secondary employment ends XX/XX/XX and loan closed XX/XX/XXXX. - Due Diligence Vendor-01/17/2026 |  |  | Qualifying with full expense of departing, RSU not used to qualify. No payment shock, Good Credit history, Strong FICO. | XX | Primary Residence | Purchase | NA | 6770999 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620832 |  | Closed | 2025-12-22 15:15 | 2026-01-10 11:48 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Received verification sufficient dwelling coverage and RCC were verified by the lender - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. According to procedure Article no. 41138, the HOI specialist verbally confirms with the HOI agent that the policy has full replacement cost coverage and uploads the attached template as confirmation. - Buyer-01/08/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX No cost estimator in file. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received verification sufficient dwelling coverage and RCC were verified by the lender - Due Diligence Vendor-01/10/2026<br>| RCC loan XXXXXXX.pdf<br> Homeowners Insurance - Hazard, Wind, Walls-in Procedure - Home Lending.pdf |  |  | XX | Primary Residence | Purchase | NA | 6745933 | N/A | N/A |
| XXXXXXX | 3158620837 |  | Closed | 2026-01-08 12:59 | 2026-01-14 10:42 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Conditional Commitment was sent within the app pck via DocMagic X.XX.XX - Buyer-01/13/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-01/08/2026 |  | Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-01/14/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX tool kit.pdf |  |  | XX | Primary Residence | Purchase | NA | 6990840 | N/A | N/A |
| XXXXXXX | 3158620846 |  | Closed | 2026-01-09 16:38 | 2026-01-16 18:31 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Final Hud-1,Closing documents, or other evidence of sale from property listed in position 3c on the application evidencing liens paid was not provided. - Due Diligence Vendor-01/17/2026 |  | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Final Hud-1,Closing documents, or other evidence of sale from property listed in position 3c on the application evidencing liens paid was not provided. - Due Diligence Vendor-01/17/2026<br>|  |  | Deposit relationship with lender<br> Strong LTV/CLTV<br> High FICO | XX | Second Home | Purchase | NA | 7017741 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620846 |  | Closed | 2026-01-12 11:21 | 2026-01-16 18:30 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Guidelines only allow for 4 financed properties. Borrower has 5 financed properties. - Due Diligence Vendor-01/17/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Guidelines only allow for 4 financed properties. Borrower has 5 financed properties. - Due Diligence Vendor-01/17/2026<br>|  |  | Deposit relationship with lender<br> Strong LTV/CLTV<br> High FICO | XX | Second Home | Purchase | NA | 7045068 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620846 |  | Closed | 2026-01-08 16:18 | 2026-01-13 17:32 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Borrower's Attorney. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/13/2026 <br> Open-. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please verify which fees XXXX is citing as not being a pre-paid fee that would cause the finance charge to be under disclosed by $104.24, the $250 charge in section H is for the borrower's personal attorney and was an optional charge so should not be considered. The Homestead Prep Fee for $65, the Plot Plan Fee for $95, and Third Party Courier for $25 were included as a pre-paid fee in the calculation. - Seller-01/13/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please verify which fees XXXX is citing as not being a pre-paid fee that would cause the finance charge to be under disclosed by $104.24, the $250 charge in section H is for the borrower's personal attorney and was an optional charge so should not be considered. The Homestead Prep Fee for $65, the Plot Plan Fee for $95, and Third Party Courier for $25 were included as a pre-paid fee in the calculation. - Seller-01/13/2026 | Resolved-Borrower's Attorney. Condition cleared. - Due Diligence Vendor-01/13/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/13/2026<br>| XXXXXXX Finance Charge.pdf |  |  | XX | Second Home | Purchase | NA | 6994422 | N/A | N/A |
| XXXXXXX | 3158620846 |  | Closed | 2026-01-09 16:57 | 2026-01-13 08:39 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Rental income documents provided. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. see income docs and income calculation workbook that reflects how rental income was calculated. Thanks. - Seller-01/13/2026 <br>Open-No evidence was provided for rental income used by the lender. Full PITIA was not used in the calculations for rental income. Provide copy of leases or Schedule E to determine correct rental income. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. see income docs and income calculation workbook that reflects how rental income was calculated. Thanks. - Seller-01/13/2026<br>| Resolved-Rental income documents provided. - Due Diligence Vendor-01/13/2026<br>| 2024 1040;s.pdf<br> 2023 1040's.pdf<br> XXXXXXX XX XXXXXXX Income Calculation Workbook (3).xlsm.pdf |  |  | XX | Second Home | Purchase | NA | 7018221 | N/A | N/A |
| XXXXXXX | 3158620846 |  | Closed | 2026-01-12 11:29 | 2026-01-13 08:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Income docs were provided on the credit exception, tax returns should have already been in the file. - Seller-01/13/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements No evidence was provided for rental income used by the lender. Full PITIA was not used in the calculations for rental income. Provide copy of leases or Schedule E to determine correct rental income. - Due Diligence Vendor-01/12/2026 | Ready for Review-Income docs were provided on the credit exception, tax returns should have already been in the file. - Seller-01/13/2026<br>| Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/13/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7045313 | N/A | N/A |
| XXXXXXX | 3158620850 |  | Closed | 2026-01-09 14:38 | 2026-01-09 14:52 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Lender guidelines require 3 years of employment continuance. A lender exception is present in the loan file, dated prior to consummation, allowing a 2-year continuance in employment. Adequate compensating factors were provided. - Due Diligence Vendor-01/09/2026 |  | Waived-Income and Employment Do Not Meet Guidelines Lender guidelines require 3 years of employment continuance. A lender exception is present in the loan file, dated prior to consummation, allowing a 2-year continuance in employment. Adequate compensating factors were provided. - Due Diligence Vendor-01/09/2026<br>|  |  | 78-month mortgage record - no lates<br> Deposit Relationship with Lender<br> Strong reserves | XX | Primary Residence | Purchase | NA | 7014815 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620854 |  | Closed | 2026-01-12 09:32 | 2026-01-12 09:33 | Acknowledged | 2 - Non-Material | 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-01/12/2026 |  | 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-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7041011 | Investor Post-Close | No |
| XXXXXXX | 3158620855 |  | Closed | 2025-12-22 17:15 | 2026-01-07 08:35 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided adequate documentation for the application date. Condition cleared. - Due Diligence Vendor-01/07/2026 <br> Resolved-Lender provided adequate documentation for the application date. Condition cleared. - Due Diligence Vendor-01/07/2026 <br> Returned-. - Due Diligence Vendor-01/07/2026 <br> Returned-. - Due Diligence Vendor-01/06/2026 <br> Returned-. - Due Diligence Vendor-01/06/2026 <br> Returned- - Due Diligence Vendor-01/06/2026 <br> Returned-Added status - Seller-12/31/2025 <br> Open-Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX - Seller-12/31/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. Provide initial loan estimate. Compliance will be revisited upon receipt. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Lender provided adequate documentation for the application date. Condition cleared. - Due Diligence Vendor-01/07/2026 <br>Resolved-Lender provided adequate documentation for the application date. Condition cleared. - Due Diligence Vendor-01/07/2026<br>| XXXXXXX LE timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6747857 | N/A | N/A |
| XXXXXXX | 3158620855 |  | Seller | 2025-12-23 05:49 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6756445 | N/A | N/A |
| XXXXXXX | 3158620857 |  | Closed | 2026-01-07 12:56 | 2026-01-14 10:53 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See attached CDA appraised at $X,XXX,XXX.XX. Thanks! - Buyer-01/14/2026 <br> Counter-Received the same CDA previously reviewed. The value is $X,XXX,XXX.XX and variance is 22.76%. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/11/2026 <br> Open-Post close valuation provided has a variance of 22.76%. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/08/2026 |  | Resolved-. - Due Diligence Vendor-01/14/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>| XXXXXXX XXXXXXX - CDA.pdf<br> XXXXXXX CDA.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6965897 | N/A | N/A |
| XXXXXXX | 3158620857 |  | Buyer | 2026-01-14 10:28 | 2026-01-14 12:04 | Ready for Review | 3 - Material | Credit | Missing Doc | Missing 1008 or Underwriter Approval | Ready for Review-The loan funded with a loan amount of $X,XXX,XXX.XX , sales price $X,XXX,XXX.XX and a value of $X,XXX,XXX.XX. The LTV was 58.310% . It appears that XXXX is requesting that XXXXX update the 1008 based on an AVM completed after funding which is not something that is possible. The 1008 would be reflective of the terms of the loan at the time the loan was consummated. - Buyer-01/14/2026 <br> Open-The final 1008 is missing from the loan file. 2 Appraisals and 2 AVMs with different values were provided. Audit used the lower value which resulted in an LTV of 75.5%. The 1008 does not match the 75.5% LTV and the Loan approval has the incorrect loan amount and LTV. Provide updated docs. - Due Diligence Vendor-01/14/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7087601 | N/A | N/A |
| XXXXXXX | 3158620859 |  | Closed | 2026-01-12 11:08 | 2026-01-12 11:08 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Guidelines do not allow non-occupant co-borrowers on a cash-out refinance loan. Lender provided approved exception dated prior to consummation and<br> all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 |  | Waived-Guidelines do not allow non-occupant co-borrowers on a cash-out refinance loan. Lender provided approved exception dated prior to consummation and<br> all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026<br>|  |  | FICO<br> Strong Reserves | XX | Primary Residence | Refinance | Cash Out - Other | 7044837 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620859 |  | Seller | 2026-01-08 09:05 | 2026-01-12 12:00 | Open | 3 - Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Open- - Due Diligence Vendor-01/09/2026 <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: Flood Certification Fee, Flood Determination 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6982741 | N/A | N/A |
| XXXXXXX | 3158620859 |  | Seller | 2026-01-08 09:05 | 2026-01-12 12:00 | Open | 3 - Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-01/09/2026 <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: Flood Certification Fee, Flood Determination 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 6982742 | N/A | N/A |
| XXXXXXX | 3158620871 |  | Buyer | 2026-01-07 04:22 | 2026-01-12 06:11 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Unable to Resolve-Unable to Resolve-accepting EVB - Buyer-01/12/2026 <br> Counter-Received a Privacy notice dated XX/XX/XXXX vs the app date of XX/XX/XXXX and the loan number does not match. Unable to determine if the disclosure was provided to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please review notice - Buyer-01/09/2026 <br> Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/08/2026 <br> Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/08/2026<br>| XXXXXXX_XXXXXXX_privacy.pdf |  |  | XX | Primary Residence | Purchase | NA | 6953392 | N/A | N/A |
| XXXXXXX | 3158620872 |  | Closed | 2026-01-08 05:54 | 2026-01-14 09:51 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached COC documentation for the appraisal fee. - Buyer-01/13/2026 <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: Appraisal 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)). The (Appraisal Fee) increased on the LE dated (XX/XX/XXXX) without a valid COC. No Cure. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_XXXXXXX_CIC.pdf<br> XXXXXXX_XXXXXXX_CIC Cover ltr.pdf |  |  | XX | Second Home | Purchase | NA | 6977409 | N/A | N/A |
| XXXXXXX | 3158620872 |  | Closed | 2026-01-08 05:54 | 2026-01-14 09:34 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached COC documentation for the appraisal fee. - Buyer-01/13/2026 <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: Appraisal 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)). The (Appraisal Fee) increased on the LE dated (XX/XX/XXXX) without a valid COC. No Cure. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_XXXXXXX_CIC.pdf<br> XXXXXXX_XXXXXXX_CIC Cover ltr.pdf |  |  | XX | Second Home | Purchase | NA | 6977410 | N/A | N/A |
| XXXXXXX | 3158620872 |  | Closed | 2026-01-08 09:17 | 2026-01-10 19:02 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Seller-01/08/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached CDA. - Seller-01/08/2026<br>| Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX_CDA.pdf |  |  | XX | Second Home | Purchase | NA | 6983264 | N/A | N/A |
| XXXXXXX | 3158620872 |  | Closed | 2026-01-10 18:30 | 2026-01-10 18:30 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/11/2026 <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-01/11/2026 |  |  |  |  |  | XX | Second Home | Purchase | NA | 7024485 | Investor Post-Close | No |
| XXXXXXX | 3158620873 |  | Closed | 2026-01-08 11:29 | 2026-01-12 15:09 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026 <br>Escalated-Document Uploaded. The gift funds were wired directly to the escrow agent. Please see attached. - Buyer-01/12/2026 <br>Counter-Missing verification of receipt of the Gift funds. Provide verification of deposit of the $62,000 Gift funds either in bank account or closing statement from escrow agent. - Due Diligence Vendor-01/11/2026 <br>Open-Audited Reserves of 6.66 month(s) are less than Guideline Required Reserves of 12 month(s) allowed by client overlays. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Do Not Concur - Assets for reserves are sufficient. It appears OPUS is not giving credit for the Gift of $62,000.00. I've attached the wire transfer receipt stamped from title. This was not credited on the Closing Disclosures in file. - Buyer-01/09/2026 <br>Open-Audited Reserves of 6.66 month(s) are less than Guideline Required Reserves of 12 month(s) allowed by client overlays. guidelines require 12 months reserves if any portion is from retirement assets. - Due Diligence Vendor-01/08/2026 |  | Resolved-Condition cleared. - Due Diligence Vendor-01/12/2026<br>| Gift Wire Transfer Receipt.pdf<br>Gift Wire Transfer Receipt.pdf |  |  | XX | Primary Residence | Purchase | NA | 6988745 | N/A | N/A |
| XXXXXXX | 3158620881 |  | Closed | 2026-01-07 11:10 | 2026-01-07 11:10 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6963336 | Investor Post-Close | No |
| XXXXXXX | 3158620883 |  | Buyer | 2026-01-07 14:11 | 2026-01-12 06:35 | Unable to Resolve | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Unable to Resolve-Unable to Resolve-EVB accepted - Buyer-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6967548 | N/A | N/A |
| XXXXXXX | 3158620885 |  | Closed | 2026-01-08 13:20 | 2026-01-08 13:20 | Acknowledged | 2 - Non-Material | 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-01/08/2026 |  | 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-01/08/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6991232 | Originator Post-Close | No |
| XXXXXXX | 3158620886 |  | Closed | 2026-01-06 09:25 | 2026-01-19 15:29 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/19/2026 <br>Open- - Due Diligence Vendor-01/19/2026 <br>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-01/06/2026 |  | 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-01/06/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6933750 | Investor Post-Close | No |
| XXXXXXX | 3158620888 |  | Closed | 2026-01-07 17:26 | 2026-01-07 17:26 | Acknowledged | 2 - Non-Material | 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-01/07/2026 |  | 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-01/07/2026<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | 6971037 | Investor Post-Close | No |
| XXXXXXX | 3158620893 |  | Closed | 2026-01-08 05:55 | 2026-01-08 05:55 | Acknowledged | 2 - Non-Material | 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-01/08/2026 |  | 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-01/08/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6977420 | Originator Post-Close | No |
| XXXXXXX | 3158620897 |  | Closed | 2026-01-11 04:51 | 2026-01-11 04:51 | Acknowledged | 2 - Non-Material | 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-01/11/2026 |  | 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-01/11/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7025527 | Investor Post-Close | No |
| XXXXXXX | 3158620909 |  | Seller | 2026-01-08 12:39 | 2026-01-08 15:32 | Open | 3 - Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Open-TILA: Incorrect NORTC model provided - H9 Incorrect NORTC model provided - H9 - Due Diligence Vendor-01/08/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6990351 | N/A | N/A |
| XXXXXXX | 3158620914 |  | Closed | 2026-01-02 15:01 | 2026-01-07 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 1) | Resolved-Doc provided. Condition cleared. - Due Diligence Vendor-01/07/2026 <br>Returned-Document Uploaded. Please review proof of borrower residency attached. Perm Resident card attached. - Buyer-01/05/2026 <br>Open-Missing proof of residency status for Non-US Citizen (Borrower 1) - Due Diligence Vendor-01/02/2026 |  | Resolved-Doc provided. Condition cleared. - Due Diligence Vendor-01/07/2026<br>| XXXXXXX-residencystatus.pdf |  |  | XX | Primary Residence | Purchase | NA | 6901818 | N/A | N/A |
| XXXXXXX | 3158620914 |  | Closed | 2026-01-02 13:37 | 2026-01-02 13:44 | Acknowledged | 2 - Non-Material | 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-01/02/2026 |  | 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-01/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6900531 | Investor Post-Close | No |
| XXXXXXX | 3158620920 |  | Seller | 2026-01-07 05:52 | 2026-01-09 19:31 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-01/07/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6954540 | N/A | N/A |
| XXXXXXX | 3158620923 |  | Closed | 2026-01-08 08:56 | 2026-01-11 14:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-. - Due Diligence Vendor-01/11/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Do not concur. Valid CIC for interest rate change XX.XX.XX. Premium pricing turned into positive points that ended up being seller paid. CDv2 disclosed timely next day. - Buyer-01/09/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($98.80) were applied to the total fee variance of ($437.00) 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6982546 | N/A | N/A |
| XXXXXXX | 3158620923 |  | Closed | 2026-01-08 08:56 | 2026-01-11 14:31 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. - Due Diligence Vendor-01/11/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Open- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Do not concur. Valid CIC for interest rate change XX.XX.XX. Premium pricing turned into positive points that ended up being seller paid. CDv2 disclosed timely next day. - Buyer-01/09/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($98.80) were applied to the total fee variance of ($437.00) between the baseline disclosure and the actual fee amounts. 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6982545 | N/A | N/A |
| XXXXXXX | 3158620924 |  | Closed | 2026-01-09 10:44 | 2026-01-16 18:34 | Waived | 2 - Non-Material | Property | Property | Condo project is ineligible | Waived-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Waived-Project declined due to being on FNMA unavailable list. Some balconies in the project require critical repairs. The subject unit is not impacted. - Due Diligence Vendor-01/09/2026 |  | Waived-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Waived-Project declined due to being on FNMA unavailable list. Some balconies in the project require critical repairs. The subject unit is not impacted. - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7009691 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620924 |  | Closed | 2026-01-08 10:16 | 2026-01-16 18:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 44.74% exceeds Guideline DTI of 43% Audited DTI of 44.74% exceeds Guideline Maximum DTI of 43%. - Due Diligence Vendor-01/17/2026 |  | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 44.74% exceeds Guideline DTI of 43% Audited DTI of 44.74% exceeds Guideline Maximum DTI of 43%. - Due Diligence Vendor-01/17/2026<br>|  |  | Good disposable income<br> High Credit Score<br> Stable Employment field | XX | Primary Residence | Purchase | NA | 6986053 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620925 |  | Closed | 2026-01-08 06:00 | 2026-01-11 15:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Received COC. - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Do not Concur. Valid CICs for Interest rate and Loan points XX.XX.XX. Decreased premium pricing disclosed timely to the customer on CDv3 next day. - Buyer-01/09/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($4,550.72). The actual total fee amount shows a credit amount of ($3,127.17). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Credit Report Fee, Flood Determination Fee, Verification Fee, Prepaid Interest). 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6977460 | N/A | N/A |
| XXXXXXX | 3158620925 |  | Closed | 2026-01-08 06:00 | 2026-01-11 15:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC. - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Do not Concur. Valid CICs for Interest rate and Loan points XX.XX.XX. Decreased premium pricing disclosed timely to the customer on CDv3 next day. - Buyer-01/09/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($4,550.72). The Last CD shows a total lender credit amount of ($3,127.17). The following fees "lender credits" have decreased below their baseline amounts (Credit Report Fee, Flood Determination Fee, Verification Fee, Prepaid Interest). 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-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/11/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6977458 | N/A | N/A |
| XXXXXXX | 3158620938 |  | Closed | 2026-01-09 09:10 | 2026-01-16 18:35 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br> Waived-Income and Employment Do Not Meet Guidelines Borrower was previously self-employed. Missing evidence borrower sold business in XXXX and missing evidence personal tax returns not filed for XXXX. - Due Diligence Vendor-01/17/2026 |  | Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Waived-Income and Employment Do Not Meet Guidelines Borrower was previously self-employed. Missing evidence borrower sold business in 2024 and missing evidence personal tax returns not filed for 2024. - Due Diligence Vendor-01/17/2026<br>|  |  | Longtime same line of work<br> Strong reserves<br> Low DTI | XX | Primary Residence | Refinance | Cash Out - Other | 7005748 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620939 |  | Closed | 2026-01-08 13:51 | 2026-01-12 15:18 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see additional CICS for appraised value and loan amount changes for dates requested. - Seller-01/12/2026 <br> Counter-Received COC for loan amount change XX/XX/XXXX. The Lender credit decreased on the Loan Estimate XX/XX/XXXX and the CD dated XX/XX/XXXX. Provide a valid COC for the Lender credit decreases XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. LC on LEv1 disclosed as -$XX. Valid CIC for loan amount change occurred XX/XX/XXXX that decreased premium pricing. CDv2 disclosed timely same day. Customer ended up receiving higher premium pricing at closing. - Buyer-01/12/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX). The actual total fee amount shows a credit amount of ($XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Title Endorsement Fee, Lender's Title Policy, Abstract Or Title Search Fee, Recording Service Fee, 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see additional CICS for appraised value and loan amount changes for dates requested. - Seller-01/12/2026<br>| Resolved-Received COCs. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX prem pricing.pdf<br> XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6991891 | N/A | N/A |
| XXXXXXX | 3158620939 |  | Closed | 2026-01-08 13:51 | 2026-01-12 15:18 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see additional CICS for appraised value and loan amount changes for dates requested. - Buyer-01/12/2026 <br> Counter-Received COC for loan amount change XX/XX/XXXX. The Lender credit decreased on the Loan Estimate XX/XX/XXXX and the CD dated XX/XX/XXX. Provide a valid COC for the Lender credit decreases XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. LC on LEv1 disclosed as -$16,333. Valid CIC for loan amount change occurred XX/XX/XXXX that decreased premium pricing. CDv2 disclosed timely same day. Customer ended up receiving higher premium pricing at closing. - Buyer-01/12/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($34,032.99). The Last CD shows a total lender credit amount of ($15,443.47). The following fees "lender credits" have decreased below their baseline amounts (Title Endorsement Fee, Lender's Title Policy, Abstract Or Title Search Fee, Recording Service Fee, 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COCs. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX prem pricing.pdf<br> XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6991890 | N/A | N/A |
| XXXXXXX | 3158620940 |  | Closed | 2026-01-09 14:08 | 2026-01-13 16:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. There is a valid CIC for the Power of Attorney Recording Fee being added on XX/XX/XXXX and the loan amount changing on XX/XX/XXXX, the POA Recording fee disclosed timely on CD v2. The Flood Verification and Flood Life of Loan fees were cured at closing along with the SB-2 Recording Assessment fee. - Buyer-01/13/2026 <br> Open-A Lender Credit for Excess Charges of ($185.20), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($240.70) between the baseline disclosure and the actual fee amounts. 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. Recording Fees in section E on the Final CD dated XX/XX/XXXX is $425.00. LE dated XX/XX/XXXX lists the same fee as $173.00. This fee is in a 10% tolerance section. Also, the Flood Fee on the Final CD dated XX/XX/XXXX was $10.00 and the LE dated XX/XX/XXXX reflected $4.00. This fee was a in the Zero Tolerance section. Section J reflected a reimbursement of $185.20 cure, which was insufficient to cure $240.70. An additional tolerance cure of $55.50 is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Resolved - Due Diligence Vendor-01/13/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7014080 | N/A | N/A |
| XXXXXXX | 3158620940 |  | Closed | 2026-01-09 14:08 | 2026-01-13 16:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. There is a valid CIC for the Power of Attorney Recording Fee being added on XX/XX/XXXX and the loan amount changing on XX/XX/XXXX, the POA Recording fee disclosed timely on CD v2. The Flood Verification and Flood Life of Loan fees were cured at closing along with the SB-2 Recording Assessment fee. - Seller-01/13/2026 <br> Open-A Lender Credit for Excess Charges of ($185.20), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($240.70) 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. Recording Fees in section E on the Final CD dated 09/25/2025 is $425.00. LE dated XX/XX/XXXX lists the same fee as $173.00. This fee is in a 10% tolerance section. Also, the Flood Fee on the Final CD dated XX/XX/XXXX was $10.00 and the LE dated XX/XX/XXXX reflected $4.00. This fee was a in the Zero Tolerance section. Section J reflected a reimbursement of $185.20 cure, which was insufficient to cure $240.70. An additional tolerance cure of $55.50 is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Do Not Concur. There is a valid CIC for the Power of Attorney Recording Fee being added on XX/XX/XXXX and the loan amount changing on XX/XX/XXXX, the POA Recording fee disclosed timely on CD v2. The Flood Verification and Flood Life of Loan fees were cured at closing along with the SB-2 Recording Assessment fee. - Seller-01/13/2026 | Resolved-Resolved - Due Diligence Vendor-01/13/2026<br>| XXXXXXX CICs.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7014081 | N/A | N/A |
| XXXXXXX | 3158620942 |  | Closed | 2026-01-08 14:13 | 2026-01-13 08:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Received condo doc. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-01/08/2026 |  | Resolved-Received condo doc. - Due Diligence Vendor-01/13/2026<br>| XXXXXXX Condominium Questionnaire.pdf |  |  | XX | Primary Residence | Purchase | NA | 6992308 | N/A | N/A |
| XXXXXXX | 3158620942 |  | Closed | 2026-01-08 12:49 | 2026-01-13 08:25 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/11/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/08/2026 |  | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX Decubellis.pdf |  |  | XX | Primary Residence | Purchase | NA | 6990590 | N/A | N/A |
| XXXXXXX | 3158620942 |  | Closed | 2026-01-12 11:24 | 2026-01-12 11:25 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/12/2026 <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-01/12/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7045196 | Investor Post-Close | No |
| XXXXXXX | 3158620946 |  | Seller | 2026-01-08 05:26 | 2026-01-13 09:32 | Counter | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Counter-The same document, dated XX/XX/XXXX, was provided, which is greater than 3 business days from the application date XX/XX/XXXX. Since Lender is Open for business on Saturdays, the document should've been provided by XX/XX/XXXX. Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/08/2026 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/08/2026 | XXXXXXX app pack.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6977180 | N/A | N/A |
| XXXXXXX | 3158620947 |  | Closed | 2026-01-08 12:01 | 2026-01-11 16:14 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Receive app package with esign cert and verification docs were provided XX/XX/XXXX. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do not Concur. The Homeownership Counseling Organization Disclosure was sent in the app package dated XX/XX/XXXX - Buyer-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20 - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Receive app package with esign cert and verification docs were provided XX/XX/XXXX. - Due Diligence Vendor-01/11/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20 - Due Diligence Vendor-01/08/2026 | XXXXXXX app package.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6989542 | N/A | N/A |
| XXXXXXX | 3158620947 |  | Closed | 2026-01-08 13:25 | 2026-01-09 20:31 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/08/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6991350 | N/A | N/A |
| XXXXXXX | 3158620947 |  | Closed | 2026-01-09 11:42 | 2026-01-09 11:43 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/09/2026 <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-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7011204 | Investor Post-Close | No |
| XXXXXXX | 3158620950 |  | Closed | 2026-01-19 08:37 | 2026-01-19 08:37 | Acknowledged | 2 - Non-Material | 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-01/19/2026 |  | 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-01/19/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7164036 | Originator Post-Close | No |
| XXXXXXX | 3158620950 |  | Closed | 2026-01-16 16:38 | 2026-01-19 08:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/19/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/16/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/19/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7146813 | N/A | N/A |
| XXXXXXX | 3158620950 |  | Closed | 2026-01-08 01:57 | 2026-01-19 08:16 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Per procedures- Loan is a Chase to Chase refinance specialist to uploaded MSP screenshot and update RCC after verbally verifying full replacement - Buyer-01/12/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXXX.XX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX. - Due Diligence Vendor-01/08/2026 |  | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/12/2026 | XXXXXXX_ HOI.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6976139 | N/A | N/A |
| XXXXXXX | 3158620953 |  | Closed | 2026-01-08 14:01 | 2026-01-11 13:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-. - Due Diligence Vendor-01/11/2026 <br> Resolved- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Pricing change, lock expiration, and valid CIC for loan points occurred XX/XX/XXXX. Premium pricing turned into positive points and redisclosed timely on Cdv2 XX/XX/XXXX - Buyer-01/09/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,186.50) were applied to the total fee variance of ($XX) 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. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $416.50 (rounded to $417) in Section J. Lender Paid $416.50 in Section A for part of the Processing Fee on the Initial CD dated XX/XX/XXXX. The Final / Post-Closing CD dated XX/XX/XXXX reflects a general Lender Credit of $0 in Section J and the Lender did not pay part of the Processing Fee in Section A. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $416.50 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-. - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026<br>| XXXXXXX Prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6992069 | N/A | N/A |
| XXXXXXX | 3158620953 |  | Closed | 2026-01-08 14:01 | 2026-01-11 13:58 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. - Due Diligence Vendor-01/11/2026 <br> Resolved- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Pricing change, lock expiration, and valid CIC for loan points occurred XX/XX/XXXX. Premium pricing turned into positive points and redisclosed timely on Cdv2 XX/XX/XXXX - Buyer-01/09/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX) were applied to the total fee variance of ($2,602.60) between the baseline disclosure and the actual fee amounts. 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. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $416.50 (rounded to $417) in Section J. Lender Paid $416.50 in Section A for part of the Processing Fee on the Initial CD dated XX/XX/XXX. The Final / Post-Closing CD dated XX/XX/XXXX reflects a general Lender Credit of $0 in Section J and the Lender did not pay part of the Processing Fee in Section A. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $416.50 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026<br>| XXXXXXX Prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6992068 | N/A | N/A |
| XXXXXXX | 3158620962 |  | Closed | 2026-01-02 07:37 | 2026-01-10 08:48 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Initial Loan Estimate with appraisal disclosure provided. - Due Diligence Vendor-01/10/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Do Not Concur. The appraisal was mailed to the customer on XX/XX/XXXX and customer received it prior to three days before closing. - Seller-01/07/2026 <br> Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Do Not Concur. The appraisal was mailed to the customer on XX/XX/XXXX and customer received it prior to three days before closing. - Seller-01/07/2026 | Resolved-Initial Loan Estimate with appraisal disclosure provided. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX Appraisal Timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6891466 | N/A | N/A |
| XXXXXXX | 3158620962 |  | Closed | 2026-01-05 08:45 | 2026-01-10 08:39 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD provided. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see the Closing Disclosures - Buyer-01/07/2026 <br>Open-All initial and revised Closing Disclosures were illegible. Additional conditions may apply upon receipt and compliance testing. - Due Diligence Vendor-01/05/2026 |  | Resolved-CD provided. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX Final Closing Disclosure.pdf<br> XXXXXXX Closing Disclosure 1.pdf<br> XXXXXXX Closing Disclosure 2.pdf |  |  | XX | Primary Residence | Purchase | NA | 6912922 | N/A | N/A |
| XXXXXXX | 3158620962 |  | Closed | 2026-01-05 08:44 | 2026-01-10 08:39 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Loan Estimate provided. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see the Loan Estimate - Buyer-01/07/2026 <br>Open-The provided Loan Estimates are illegible. Additional conditions may apply upon receipt and compliance testing. - Due Diligence Vendor-01/05/2026 |  | Resolved-Loan Estimate provided. - Due Diligence Vendor-01/10/2026<br>| XXXXXXX Loan Estimate.pdf |  |  | XX | Primary Residence | Purchase | NA | 6912906 | N/A | N/A |
| XXXXXXX | 3158620962 |  | Closed | 2026-01-05 08:46 | 2026-01-10 08:39 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see Privacy notice located and uploaded to change status from a B grade to an A grade for this exception - Buyer-01/07/2026 <br>Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice was illegible - Due Diligence Vendor-01/05/2026 |  | Resolved-Privacy Notice provided. - Due Diligence Vendor-01/10/2026 <br>Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice was illegible - Due Diligence Vendor-01/05/2026<br>| XXXXXXX Privacy Notice1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6912981 | N/A | N/A |
| XXXXXXX | 3158620963 |  | Closed | 2026-01-08 08:45 | 2026-01-12 11:50 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached AVM. - Seller-01/11/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached AVM. - Seller-01/11/2026<br>| Resolved-. - Due Diligence Vendor-01/12/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6981086 | N/A | N/A |
| XXXXXXX | 3158620963 |  | Closed | 2026-01-12 11:49 | 2026-01-12 11:49 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/12/2026 <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-01/12/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7045733 | Investor Post-Close | No |
| XXXXXXX | 3158620963 |  | Closed | 2026-01-08 15:41 | 2026-01-12 11:48 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC. - Due Diligence Vendor-01/12/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Valid CICs for Property type, appraisal value, loan points, loan amount, and interest rate changed premium pricing to positive points XX/XX/XXXX. CDv2 disclosed timely same day. No cure due back. Customer ended up not being charged positive points at closing and received premium pricing. No CIC required for that increase since its in favor to the customer. - Buyer-01/12/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,468.04) were applied to the total fee variance of ($4,291.96) 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC. - Due Diligence Vendor-01/12/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/12/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993854 | N/A | N/A |
| XXXXXXX | 3158620963 |  | Closed | 2026-01-08 15:41 | 2026-01-12 11:47 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC - Due Diligence Vendor-01/12/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Valid CICs for Property type, appraisal value, loan points, loan amount, and interest rate changed premium pricing to positive points XX/XX/XXXX. CDv2 disclosed timely same day. No cure due back. Customer ended up not being charged positive points at closing and received premium pricing. No CIC required for that increase since its in favor to the customer. - Buyer-01/12/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,468.04) were applied to the total fee variance of ($4,291.96) between the baseline disclosure and the actual fee amounts. 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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received COC - Due Diligence Vendor-01/12/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/12/2026<br>| XXXXXXX prem pricing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993853 | N/A | N/A |
| XXXXXXX | 3158620968 |  | Closed | 2026-01-13 13:48 | 2026-01-16 15:30 | Open | 3 - Material | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged- - Due Diligence Vendor-01/16/2026 <br>Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7072356 | Investor Post-Close | No |
| XXXXXXX | 3158620968 |  | Closed | 2026-01-12 13:43 | 2026-01-13 13:49 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/13/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. The loan file is missing a secondary valuation to support the appraised value of $X,XXX,XXX.XX. The CU score was 2.8, LCA score 4.5 and AVM value was $X,XXX,XXX.XX, a 24% discrepancy from the appraised value. - Due Diligence Vendor-01/12/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/13/2026<br>| XXXXXXX_CDA.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7048293 | N/A | N/A |
| XXXXXXX | 3158620973 |  | Closed | 2025-12-30 15:23 | 2026-01-16 18:37 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Credit History Insufficient | Acknowledged-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Acknowledged-Guidelines require 3 active tradelines with 12 months of satisfactory history. - Due Diligence Vendor-01/17/2026 |  | Acknowledged-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/17/2026 <br>Acknowledged-Guidelines require 3 active tradelines with 12 months of satisfactory history. - Due Diligence Vendor-01/17/2026<br>|  |  | Comp Factors: DTI below max, Stable employment, Strong reserves. | XX | Primary Residence | Purchase | NA | 6861020 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620973 |  | Seller | 2025-12-29 23:12 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/30/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6846066 | N/A | N/A |
| XXXXXXX | 3158620975 |  | Closed | 2026-01-09 15:39 | 2026-01-12 10:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Acknowledged-. - Due Diligence Vendor-01/12/2026 <br>Open-Property type is ineligible due to due to excess acreage.. The subject property has 47.57 acres which exceeds guideline maximum of 25 acres. Additionally, the property is treated as two single family residences instead of a single family with ADU. The Lender provided approved exception dated prior to consummation and Lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. There is an exception for Collateral , please explain why this has a "C" grade. I believe this should be rated as "B" - Buyer-01/10/2026 |  | Acknowledged-. - Due Diligence Vendor-01/12/2026<br>| Universal Exception Form #XXXXXXX.pdf |  | Low DTI of 19.77%<br> FICO of 804<br> Good reserves | XX | Primary Residence | Purchase | NA | 7016406 | Originator Post-Close | Yes |
| XXXXXXX | 3158620975 |  | Closed | 2026-01-09 15:39 | 2026-01-09 15:39 | Acknowledged | 2 - Non-Material | 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-01/09/2026 |  | 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-01/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7016407 | Investor Post-Close | No |
| XXXXXXX | 3158620976 |  | Closed | 2026-01-12 14:21 | 2026-01-16 18:38 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 47.87% exceeds Guideline DTI of 43% Max DTI 43%. - Due Diligence Vendor-01/17/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/17/2026 <br>Waived-Audited DTI of 47.87% exceeds Guideline DTI of 43% Max DTI 43%. - Due Diligence Vendor-01/17/2026<br>|  |  | Strong liquid reserves, high FICO Score. | XX | Primary Residence | Purchase | NA | 7049077 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620976 |  | Closed | 2026-01-07 06:48 | 2026-01-12 14:21 | Resolved | 1 - Information | Credit | Eligibility | DTI exceeds client overlay guidelines | Resolved-Audited DTI of 47.87% is less than or equal to Guideline DTI of % allowed by client overlays. . - Due Diligence Vendor-01/12/2026 <br>Resolved-Audited DTI of 47.87% is less than or equal to Guideline DTI of % allowed by client overlays. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-The Underwriter used the estimated taxes of $2,541.17 in the PITIA to quality the Customer. See printouts from our Mortgage Express Underwriting System that reflects the proposed housing payment to evidence that this tax amount was used to qualify. While the 1008 has a display issue and does not display the taxes, the ratios are correct and the Underwriting Summary screen attached may be used as the source document to document the accurate PITIA and Ratios. - Buyer-01/10/2026 <br>Open-Client lender overlay guidelines reflect a maximum DTI of 43%. The audited DTI is less than 43% however there is a lender exception in the loan file for DTI exceeding guidelines. The subject's PITIA on the final 1008 does not match the loan file. There is no amount listed for the monthly property tax payments. As the subject is new construction in an established neighborhood, the tax documents provided may not reflect the new construction. Provide updated documentation. - Due Diligence Vendor-01/07/2026 |  | Resolved-Audited DTI of 47.87% is less than or equal to Guideline DTI of % allowed by client overlays. . - Due Diligence Vendor-01/12/2026 <br>Resolved-Audited DTI of 47.87% is less than or equal to Guideline DTI of % allowed by client overlays. - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6955258 | N/A | N/A |
| XXXXXXX | 3158620978 |  | Seller | 2025-12-29 07:09 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6828828 | N/A | N/A |
| XXXXXXX | 3158620982 |  | Closed | 2026-01-11 17:22 | 2026-01-12 09:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.84% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/11/2026 |  | Waived-Audited DTI of 49.84% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/11/2026<br>|  |  | FICO, Reserves, disposable income, Deposit Relationship with Lender. | XX | Primary Residence | Purchase | NA | 7027409 | Originator Pre-Close | Yes |
| XXXXXXX | 3158620984 |  | Seller | 2025-12-22 13:03 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6743205 | N/A | N/A |
| XXXXXXX | 3158620985 |  | Closed | 2026-01-09 12:37 | 2026-01-09 12:38 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/09/2026 <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-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7012190 | Investor Post-Close | No |
| XXXXXXX | 3158620985 |  | Closed | 2026-01-07 06:36 | 2026-01-09 12:35 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6955119 | N/A | N/A |
| XXXXXXX | 3158620996 |  | Seller | 2025-12-29 13:04 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit Missing - Due Diligence Vendor-12/29/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit Missing - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6838309 | N/A | N/A |
| XXXXXXX | 3158620999 |  | Seller | 2025-12-22 16:17 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6746648 | N/A | N/A |
| XXXXXXX | 3158621012 |  | Closed | 2026-01-08 15:29 | 2026-01-12 13:35 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received confirmation of initial CD receipt date. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Do not Concur. Initial Cd was sent via DocMagic XX/XX/XXXX - Buyer-01/12/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. No evidence of e-receipt. Therefore, the Mailbox Rule/Presumed. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received confirmation of initial CD receipt date. - Due Diligence Vendor-01/12/2026<br>| XXXXXXX CD timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6993636 | N/A | N/A |
| XXXXXXX | 3158621026 |  | Seller | 2025-12-22 15:20 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/22/2025 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6746031 | N/A | N/A |
| XXXXXXX | 3158621027 |  | Closed | 2025-12-31 11:32 | 2026-01-09 12:47 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Received post close valuation. - Due Diligence Vendor-01/09/2026 <br>Counter-Received 1004D previously reviewed and completed by the same appraiser as the appraisal in file. CU score is 3.5. Missing a valid secondary valuation that supports the origination appraised value. Condition remains.<br>- Due Diligence Vendor-01/06/2026 <br>Returned-Document Uploaded. - Buyer-01/02/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received post close valuation. - Due Diligence Vendor-01/09/2026<br>| app.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6877140 | N/A | N/A |
| XXXXXXX | 3158621027 |  | Closed | 2026-01-09 12:46 | 2026-01-09 12:46 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/09/2026 <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-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7012359 | Investor Post-Close | No |
| XXXXXXX | 3158621027 |  | Closed | 2025-12-31 06:21 | 2026-01-06 14:38 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Non-US Document Identification is expired | Resolved-Received extension doc. Condition cleared. - Due Diligence Vendor-01/06/2026 <br> Returned-Document Uploaded. C2 Permanent Resident card expired on XX.XX.XX. However, we have<br> application for extension from XX.XX.XX. It shows that the validity of the<br> green card is extended 48 months from expiration shown on the card. This<br> would mean new expiration is XX.XX.XX. - Buyer-01/02/2026 <br> Open-Borrower 2 Non-US identity document expiration date is XX-XX-XXXX and note is dated XX/XX/XXXX. Borrower 2 Non-US Document Identification is expired - Due Diligence Vendor-12/31/2025 |  | Resolved-Received extension doc. Condition cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6868190 | N/A | N/A |
| XXXXXXX | 3158621031 |  | Closed | 2025-12-29 15:50 | 2025-12-29 15:50 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-12/29/2025 <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-12/29/2025 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 6841498 | Investor Post-Close | No |
| XXXXXXX | 3158621031 |  | Closed | 2025-12-24 12:31 | 2025-12-29 15:49 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. LCA 3.0 and CU 4.1. - Due Diligence Vendor-12/24/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6793214 | N/A | N/A |
| XXXXXXX | 3158621031 |  | Seller | 2025-12-23 11:03 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6762750 | N/A | N/A |
| XXXXXXX | 3158621033 |  | Closed | 2026-01-04 14:31 | 2026-01-08 12:14 | Acknowledged | 2 - Non-Material | 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-01/08/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/04/2026 |  | 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-01/08/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6907629 | Investor Post-Close | No |
| XXXXXXX | 3158621033 |  | Closed | 2025-12-22 13:16 | 2026-01-08 12:12 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received desk review. - Due Diligence Vendor-01/08/2026 <br>Returned-Document Uploaded. CDA supporting value was provided (please see attached). - Buyer-01/05/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. The CU Score is greater than 2.5. A valid secondary valuation supporting the origination appraisal value is required. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received desk review. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX_CDA.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6743428 | N/A | N/A |
| XXXXXXX | 3158621036 |  | Seller | 2025-12-24 07:52 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX - Due Diligence Vendor-01/08/2026 <br> Returned-Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX - Buyer-01/05/2026 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX. Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) . - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Acknowledged-Loan flipped from HBA "Credit Only" to Purchase with property XX/XX/XXXX - Due Diligence Vendor-01/08/2026 | XXXXXXX LE timing.pdf |  |  | XX | Primary Residence | Purchase | NA | 6786663 | N/A | N/A |
| XXXXXXX | 3158621036 |  | Seller | 2025-12-24 08:27 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Open-. - Due Diligence Vendor-01/09/2026 <br>Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6787275 | N/A | N/A |
| XXXXXXX | 3158621036 |  | Seller | 2026-01-04 14:42 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Open-. - Due Diligence Vendor-01/09/2026 <br> Open-. - Due Diligence Vendor-01/09/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/04/2026 |  | Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/04/2026 |  |  |  | XX | Primary Residence | Purchase | NA | 6907647 | N/A | N/A |
| XXXXXXX | 3158621041 |  | Closed | 2026-01-02 08:59 | 2026-01-09 20:02 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-01/10/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/02/2026 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/10/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>| XXXXXXX_AVM.pdf |  |  | XX | Primary Residence | Purchase | NA | 6892906 | N/A | N/A |
| XXXXXXX | 3158621041 |  | Closed | 2026-01-09 12:56 | 2026-01-09 12:57 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/09/2026 <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-01/09/2026 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 7012582 | Investor Post-Close | No |
| XXXXXXX | 3158621041 |  | Closed | 2026-01-02 09:23 | 2026-01-08 12:57 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Received transfer of funds. - Due Diligence Vendor-01/08/2026 <br>Returned-Document Uploaded. - Buyer-01/06/2026 <br>Open-Gift Documentation Incomplete. Missing evidence gift was deposited or wired directly to the title company. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received transfer of funds. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 6893372 | N/A | N/A |
| XXXXXXX | 3158621045 |  | Closed | 2025-12-31 08:24 | 2026-01-16 18:39 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Acknowledged-Property type is ineligible due to Agricultural Use - part of lot is leased for crop production.<br>. - Due Diligence Vendor-12/31/2025 |  | Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/17/2026 <br>Acknowledged-Property type is ineligible due to Agricultural Use - part of lot is leased for crop production.<br>. - Due Diligence Vendor-12/31/2025<br>|  |  | Strong FICO and reserves<br> Deposit relationship with Lender | XX | Primary Residence | Purchase | NA | 6870668 | Originator Pre-Close | Yes |
| XXXXXXX | 3158621047 |  | Seller | 2025-12-23 13:02 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6767181 | N/A | N/A |
| XXXXXXX | 3158621053 |  | Seller | 2025-12-30 05:33 | 2026-01-09 10:30 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-. - Due Diligence Vendor-01/09/2026 <br>Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit Missing or Incomplete. - Due Diligence Vendor-12/30/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit Missing or Incomplete. - Due Diligence Vendor-12/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6848396 | N/A | N/A |

---

## Exhibit 99.14

**Exhibit 99.14**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 3158620552 |  | $XXXXXXX A C B |
|  | 3158620397 |  | $XXXXXXX A |
|  | 3158620401 |  | $XXXXXXX A |
|  | 3158620402 |  | $XXXXXXX A B |
|  | 3158620403 |  | $XXXXXXX A C |
|  | 3158620407 |  | $XXXXXXX A |
|  | 3158620409 |  | $XXXXXXX A C B |
|  | 3158620410 |  | $XXXXXXX A |
|  | 3158620411 |  | $XXXXXXX A |
|  | 3158620412 |  | $XXXXXXX A B |
|  | 3158620413 |  | $XXXXXXX C A |
|  | 3158620415 |  | $XXXXXXX A |
|  | 3158620418 |  | $XXXXXXX A C |
|  | 3158620419 |  | $XXXXXXX A B |
|  | 3158620420 |  | $XXXXXXX A |
|  | 3158620421 |  | $XXXXXXX A B |
|  | 3158620422 |  | $XXXXXXX A |
|  | 3158620432 |  | $XXXXXXX A |
|  | 3158620433 |  | $XXXXXXX A B |
|  | 3158620440 |  | $XXXXXXX A |
|  | 3158620441 |  | $XXXXXXX A B |
|  | 3158620442 |  | $XXXXXXX A |
|  | 3158620443 |  | $XXXXXXX A B |
|  | 3158620446 |  | $XXXXXXX A B |
|  | 3158620447 |  | $XXXXXXX A |
|  | 3158620451 |  | $XXXXXXX A |
|  | 3158620454 |  | $XXXXXXX D A |
|  | 3158620457 |  | $XXXXXXX A |
|  | 3158620458 |  | $XXXXXXX A |
|  | 3158620462 |  | $XXXXXXX A C B |
|  | 3158620464 |  | $XXXXXXX A B |
|  | 3158620465 |  | $XXXXXXX C A B |
|  | 3158620475 |  | $XXXXXXX A B |
|  | 3158620476 |  | $XXXXXXX A C B |
|  | 3158620479 |  | $XXXXXXX A |
|  | 3158620481 |  | $XXXXXXX A |
|  | 3158620484 |  | $XXXXXXX A B |
|  | 3158620491 |  | $XXXXXXX A C |
|  | 3158620492 |  | $XXXXXXX A B |
|  | 3158620495 |  | $XXXXXXX A |
|  | 3158620496 |  | $XXXXXXX A |
|  | 3158620500 |  | $XXXXXXX A |
|  | 3158620501 |  | $XXXXXXX A |
|  | 3158620502 |  | $XXXXXXX A |
|  | 3158620503 |  | $XXXXXXX A B |
|  | 3158620505 |  | $XXXXXXX A B |
|  | 3158620507 |  | $XXXXXXX A |
|  | 3158620510 |  | $XXXXXXX A |
|  | 3158620513 |  | $XXXXXXX A |
|  | 3158620515 |  | $XXXXXXX A C B |
|  | 3158620517 |  | $XXXXXXX A B |
|  | 3158620519 |  | $XXXXXXX A |
|  | 3158620520 |  | $XXXXXXX A C |
|  | 3158620531 |  | $XXXXXXX A C B |
|  | 3158620533 |  | $XXXXXXX A |
|  | 3158620537 |  | $XXXXXXX A B |
|  | 3158620538 |  | $XXXXXXX A |
|  | 3158620544 |  | $XXXXXXX C B A |
|  | 3158620545 |  | $XXXXXXX A |
|  | 3158620547 |  | $XXXXXXX A |
|  | 3158620548 |  | $XXXXXXX A |
|  | 3158620549 |  | $XXXXXXX A |
|  | 3158620550 |  | $XXXXXXX A C |
|  | 3158620551 |  | $XXXXXXX D A |
|  | 3158620553 |  | $XXXXXXX D C A B |
|  | 3158620557 |  | $XXXXXXX A |
|  | 3158620558 |  | $XXXXXXX A B |
|  | 3158620559 |  | $XXXXXXX A |
|  | 3158620560 |  | $XXXXXXX A |
|  | 3158620561 |  | $XXXXXXX A |
|  | 3158620562 |  | $XXXXXXX A |
|  | 3158620563 |  | $XXXXXXX C A |
|  | 3158620564 |  | $XXXXXXX A |
|  | 3158620565 |  | $XXXXXXX A B |
|  | 3158620566 |  | $XXXXXXX A |
|  | 3158620568 |  | $XXXXXXX A |
|  | 3158620570 |  | $XXXXXXX A B |
|  | 3158620572 |  | $XXXXXXX D A |
|  | 3158620573 |  | $XXXXXXX A |
|  | 3158620582 |  | $XXXXXXX A |
|  | 3158620584 |  | $XXXXXXX A |
|  | 3158620586 |  | $XXXXXXX A |
|  | 3158620587 |  | $XXXXXXX A B |
|  | 3158620590 |  | $XXXXXXX A |
|  | 3158620591 |  | $XXXXXXX A |
|  | 3158620593 |  | $XXXXXXX A |
|  | 3158620596 |  | $XXXXXXX A |
|  | 3158620597 |  | $XXXXXXX A |
|  | 3158620602 |  | $XXXXXXX A B |
|  | 3158620603 |  | $XXXXXXX A |
|  | 3158620610 |  | $XXXXXXX A B |
|  | 3158620617 |  | $XXXXXXX A B |
|  | 3158620618 |  | $XXXXXXX A |
|  | 3158620619 |  | $XXXXXXX A |
|  | 3158620620 |  | $XXXXXXX A |
|  | 3158620621 |  | $XXXXXXX A |
|  | 3158620623 |  | $XXXXXXX A |
|  | 3158620624 |  | $XXXXXXX A |
|  | 3158620625 |  | $XXXXXXX A B |
|  | 3158620626 |  | $XXXXXXX A |
|  | 3158620629 |  | $XXXXXXX A |
|  | 3158620630 |  | $XXXXXXX A |
|  | 3158620631 |  | $XXXXXXX A B |
|  | 3158620632 |  | $XXXXXXX A |
|  | 3158620637 |  | $XXXXXXX A B |
|  | 3158620642 |  | $XXXXXXX A B |
|  | 3158620643 |  | $XXXXXXX A |
|  | 3158620644 |  | $XXXXXXX A |
|  | 3158620645 |  | $XXXXXXX A B |
|  | 3158620652 |  | $XXXXXXX A |
|  | 3158620654 |  | $XXXXXXX A C |
|  | 3158620655 |  | $XXXXXXX A |
|  | 3158620659 |  | $XXXXXXX A B |
|  | 3158620660 |  | $XXXXXXX A |
|  | 3158620661 |  | $XXXXXXX A |
|  | 3158620666 |  | $XXXXXXX A B |
|  | 3158620671 |  | $XXXXXXX A B |
|  | 3158620675 |  | $XXXXXXX A |
|  | 3158620676 |  | $XXXXXXX A |
|  | 3158620682 |  | $XXXXXXX A C |
|  | 3158620683 |  | $XXXXXXX A |
|  | 3158620684 |  | $XXXXXXX B C A |
|  | 3158620685 |  | $XXXXXXX A B |
|  | 3158620686 |  | $XXXXXXX A |
|  | 3158620687 |  | $XXXXXXX A |
|  | 3158620688 |  | $XXXXXXX A |
|  | 3158620691 |  | $XXXXXXX A |
|  | 3158620692 |  | $XXXXXXX C A B |
|  | 3158620693 |  | $XXXXXXX A |
|  | 3158620695 |  | $XXXXXXX B A |
|  | 3158620697 |  | $XXXXXXX A |
|  | 3158620698 |  | $XXXXXXX A |
|  | 3158620700 |  | $XXXXXXX A |
|  | 3158620701 |  | $XXXXXXX A |
|  | 3158620702 |  | $XXXXXXX A |
|  | 3158620703 |  | $XXXXXXX A C B |
|  | 3158620704 |  | $XXXXXXX A |
|  | 3158620706 |  | $XXXXXXX A |
|  | 3158620710 |  | $XXXXXXX B C A |
|  | 3158620712 |  | $XXXXXXX A |
|  | 3158620713 |  | $XXXXXXX A |
|  | 3158620714 |  | $XXXXXXX A |
|  | 3158620715 |  | $XXXXXXX A C B |
|  | 3158620716 |  | $XXXXXXX A B |
|  | 3158620719 |  | $XXXXXXX A |
|  | 3158620722 |  | $XXXXXXX A B |
|  | 3158620725 |  | $XXXXXXX A |
|  | 3158620727 |  | $XXXXXXX A |
|  | 3158620728 |  | $XXXXXXX A C B |
|  | 3158620734 |  | $XXXXXXX D C A B |
|  | 3158620736 |  | $XXXXXXX A |
|  | 3158620738 |  | $XXXXXXX A |
|  | 3158620740 |  | $XXXXXXX A B |
|  | 3158620742 |  | $XXXXXXX A C |
|  | 3158620744 |  | $XXXXXXX B C A |
|  | 3158620745 |  | $XXXXXXX A B |
|  | 3158620749 |  | $XXXXXXX A |
|  | 3158620758 |  | $XXXXXXX A B |
|  | 3158620760 |  | $XXXXXXX A |
|  | 3158620762 |  | $XXXXXXX B C A |
|  | 3158620763 |  | $XXXXXXX A |
|  | 3158620767 |  | $XXXXXXX D C A B |
|  | 3158620768 |  | $XXXXXXX A |
|  | 3158620769 |  | $XXXXXXX A C B |
|  | 3158620771 |  | $XXXXXXX A C |
|  | 3158620772 |  | $XXXXXXX A C |
|  | 3158620774 |  | $XXXXXXX A |
|  | 3158620776 |  | $XXXXXXX A B |
|  | 3158620778 |  | $XXXXXXX A C |
|  | 3158620781 |  | $XXXXXXX B A |
|  | 3158620783 |  | $XXXXXXX A C B |
|  | 3158620785 |  | $XXXXXXX A C B |
|  | 3158620786 |  | $XXXXXXX C A |
|  | 3158620789 |  | $XXXXXXX A C B |
|  | 3158620791 |  | $XXXXXXX A |
|  | 3158620792 |  | $XXXXXXX A C |
|  | 3158620795 |  | $XXXXXXX A |
|  | 3158620797 |  | $XXXXXXX A |
|  | 3158620799 |  | $XXXXXXX A |
|  | 3158620800 |  | $XXXXXXX A B |
|  | 3158620802 |  | $XXXXXXX D A B |
|  | 3158620803 |  | $XXXXXXX A |
|  | 3158620804 |  | $XXXXXXX A |
|  | 3158620806 |  | $XXXXXXX A |
|  | 3158620807 |  | $XXXXXXX A B |
|  | 3158620809 |  | $XXXXXXX C B A |
|  | 3158620810 |  | $XXXXXXX A |
|  | 3158620816 |  | $XXXXXXX A |
|  | 3158620818 |  | $XXXXXXX A |
|  | 3158620819 |  | $XXXXXXX A |
|  | 3158620821 |  | $XXXXXXX A C |
|  | 3158620822 |  | $XXXXXXX A B |
|  | 3158620823 |  | $XXXXXXX A |
|  | 3158620825 |  | $XXXXXXX A C B |
|  | 3158620828 |  | $XXXXXXX A C B |
|  | 3158620829 |  | $XXXXXXX A C B |
|  | 3158620830 |  | $XXXXXXX A C B |
|  | 3158620832 |  | $XXXXXXX C A B |
|  | 3158620837 |  | $XXXXXXX A B |
|  | 3158620838 |  | $XXXXXXX A |
|  | 3158620841 |  | $XXXXXXX A |
|  | 3158620842 |  | $XXXXXXX A |
|  | 3158620844 |  | $XXXXXXX A |
|  | 3158620846 |  | $XXXXXXX D C A B |
|  | 3158620848 |  | $XXXXXXX A |
|  | 3158620849 |  | $XXXXXXX A |
|  | 3158620850 |  | $XXXXXXX B A |
|  | 3158620851 |  | $XXXXXXX A |
|  | 3158620853 |  | $XXXXXXX A |
|  | 3158620854 |  | $XXXXXXX A B |
|  | 3158620855 |  | $XXXXXXX A C B |
|  | 3158620857 |  | $XXXXXXX D A C |
|  | 3158620859 |  | $XXXXXXX B C A |
|  | 3158620860 |  | $XXXXXXX A |
|  | 3158620862 |  | $XXXXXXX A |
|  | 3158620864 |  | $XXXXXXX A |
|  | 3158620867 |  | $XXXXXXX A |
|  | 3158620871 |  | $XXXXXXX A B |
|  | 3158620872 |  | $XXXXXXX A C B |
|  | 3158620873 |  | $XXXXXXX C A |
|  | 3158620874 |  | $XXXXXXX A |
|  | 3158620878 |  | $XXXXXXX A |
|  | 3158620880 |  | $XXXXXXX A |
|  | 3158620881 |  | $XXXXXXX A B |
|  | 3158620883 |  | $XXXXXXX A B |
|  | 3158620885 |  | $XXXXXXX A B |
|  | 3158620886 |  | $XXXXXXX A B |
|  | 3158620888 |  | $XXXXXXX A B |
|  | 3158620890 |  | $XXXXXXX A |
|  | 3158620892 |  | $XXXXXXX A |
|  | 3158620893 |  | $XXXXXXX A B |
|  | 3158620895 |  | $XXXXXXX A |
|  | 3158620897 |  | $XXXXXXX A B |
|  | 3158620900 |  | $XXXXXXX A |
|  | 3158620901 |  | $XXXXXXX A |
|  | 3158620904 |  | $XXXXXXX A |
|  | 3158620905 |  | $XXXXXXX A |
|  | 3158620907 |  | $XXXXXXX A |
|  | 3158620908 |  | $XXXXXXX A |
|  | 3158620909 |  | $XXXXXXX A C |
|  | 3158620913 |  | $XXXXXXX A |
|  | 3158620914 |  | $XXXXXXX D A B |
|  | 3158620916 |  | $XXXXXXX A |
|  | 3158620918 |  | $XXXXXXX A |
|  | 3158620920 |  | $XXXXXXX A B |
|  | 3158620923 |  | $XXXXXXX A C |
|  | 3158620924 |  | $XXXXXXX B A |
|  | 3158620925 |  | $XXXXXXX A C |
|  | 3158620926 |  | $XXXXXXX A |
|  | 3158620927 |  | $XXXXXXX A |
|  | 3158620928 |  | $XXXXXXX A |
|  | 3158620933 |  | $XXXXXXX A |
|  | 3158620934 |  | $XXXXXXX A |
|  | 3158620936 |  | $XXXXXXX A |
|  | 3158620938 |  | $XXXXXXX B A |
|  | 3158620939 |  | $XXXXXXX A C |
|  | 3158620940 |  | $XXXXXXX A C |
|  | 3158620941 |  | $XXXXXXX A |
|  | 3158620942 |  | $XXXXXXX D A C B |
|  | 3158620946 |  | $XXXXXXX A B |
|  | 3158620947 |  | $XXXXXXX A B C |
|  | 3158620949 |  | $XXXXXXX A |
|  | 3158620950 |  | $XXXXXXX C A B |
|  | 3158620953 |  | $XXXXXXX A C |
|  | 3158620954 |  | $XXXXXXX A |
|  | 3158620955 |  | $XXXXXXX A |
|  | 3158620956 |  | $XXXXXXX A |
|  | 3158620957 |  | $XXXXXXX A |
|  | 3158620958 |  | $XXXXXXX A |
|  | 3158620960 |  | $XXXXXXX A |
|  | 3158620962 |  | $XXXXXXX A D |
|  | 3158620963 |  | $XXXXXXX A C B |
|  | 3158620964 |  | $XXXXXXX A |
|  | 3158620966 |  | $XXXXXXX A |
|  | 3158620968 |  | $XXXXXXX A C |
|  | 3158620970 |  | $XXXXXXX A |
|  | 3158620971 |  | $XXXXXXX A |
|  | 3158620973 |  | $XXXXXXX B A |
|  | 3158620974 |  | $XXXXXXX A |
|  | 3158620975 |  | $XXXXXXX C A B |
|  | 3158620976 |  | $XXXXXXX C A B |
|  | 3158620977 |  | $XXXXXXX A |
|  | 3158620978 |  | $XXXXXXX A B |
|  | 3158620979 |  | $XXXXXXX A |
|  | 3158620982 |  | $XXXXXXX B A |
|  | 3158620984 |  | $XXXXXXX A B |
|  | 3158620985 |  | $XXXXXXX A C B |
|  | 3158620986 |  | $XXXXXXX A |
|  | 3158620996 |  | $XXXXXXX A B |
|  | 3158620999 |  | $XXXXXXX A B |
|  | 3158621004 |  | $XXXXXXX A |
|  | 3158621005 |  | $XXXXXXX A |
|  | 3158621006 |  | $XXXXXXX A |
|  | 3158621009 |  | $XXXXXXX A |
|  | 3158621010 |  | $XXXXXXX A |
|  | 3158621012 |  | $XXXXXXX A C |
|  | 3158621014 |  | $XXXXXXX A |
|  | 3158621018 |  | $XXXXXXX A |
|  | 3158621022 |  | $XXXXXXX A |
|  | 3158621026 |  | $XXXXXXX A B |
|  | 3158621027 |  | $XXXXXXX C A B |
|  | 3158621028 |  | $XXXXXXX A |
|  | 3158621031 |  | $XXXXXXX A B C |
|  | 3158621032 |  | $XXXXXXX A |
|  | 3158621033 |  | $XXXXXXX A C B |
|  | 3158621034 |  | $XXXXXXX A |
|  | 3158621036 |  | $XXXXXXX A C B |
|  | 3158621041 |  | $XXXXXXX D A C B |
|  | 3158621043 |  | $XXXXXXX A |
|  | 3158621045 |  | $XXXXXXX B A |
|  | 3158621047 |  | $XXXXXXX A B |
|  | 3158621048 |  | $XXXXXXX A |
|  | 3158621053 |  | $XXXXXXX A B |

---

## Exhibit 99.15

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
|  | 3158620397 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.6 | 69.6 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | .0212 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620401 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620402 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620403 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620407 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620409 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0342 | 1004 URAR |  |  |  |  | $XXXXXX | $XXXXXX | .0342 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
|  | 3158620410 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620411 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.52 | 76.52 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620412 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620413 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
|  | 3158620415 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620418 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620419 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.75 | 68.75 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620420 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620421 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital Collateral Desktop Analysis | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX |
|  | 3158620422 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
|  | 3158620432 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 65.32 | 65.32 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620433 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
|  | 3158620440 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620441 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
|  | 3158620442 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620443 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 49.69 | 49.69 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620446 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
|  | 3158620447 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620451 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
|  | 3158620454 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620457 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.33 | 58.33 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
|  | 3158620458 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620462 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620464 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
|  | 3158620465 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.75 | 79.75 |  |  |  |  | $XXXXXX | $XXXXXX | -.0150 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | $XXXXXX | -.0150 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
|  | 3158620475 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620476 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620479 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620481 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620484 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |
|  | 3158620491 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620492 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 2.3 | XX/XX/XXXX |
|  | 3158620495 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 2.3 | XX/XX/XXXX |
|  | 3158620496 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
|  | 3158620500 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.07 | 58.07 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620501 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620502 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620503 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620505 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 83.87 | 83.87 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
|  | 3158620507 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620510 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620513 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620515 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.15 | 68.15 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
|  | 3158620517 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620519 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620520 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620531 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
|  | 3158620533 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
|  | 3158620537 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.68 | 77.68 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | ClearCapital | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620538 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620544 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620545 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620547 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620548 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.04 | 79.04 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620549 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620550 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89 | 89 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | .0145 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
|  | 3158620551 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.95 | 60.95 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
|  | 3158620552 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.2429 | Desk Review |  |  |  | Missing | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | $XXXXXX | -.2429 | Clear Capital | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620553 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.77 | 79.77 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620557 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
|  | 3158620558 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital Collateral Desktop Analysis | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XX/XX/XXXX |
|  | 3158620559 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.41 | 74.41 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620560 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620561 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620562 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620563 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620564 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620565 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
|  | 3158620566 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.13 | 78.13 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620568 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620570 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620572 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620573 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620582 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620584 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620586 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620587 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
|  | 3158620590 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.68 | 73.68 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620591 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
|  | 3158620593 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620596 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620597 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | $XXXXXX | $XXXXXX | .0222 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620602 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620603 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620610 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital Collateral Desktop Analysis | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
|  | 3158620617 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0828 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | -.0828 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible | 1.2 | XX/XX/XXXX |
|  | 3158620618 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620619 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620620 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620621 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 72.22 | 72.22 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620623 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620624 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.43 | 78.43 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620625 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620626 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620629 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 48.78 | 48.78 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
|  | 3158620630 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620631 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620632 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 67.86 | 67.86 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620637 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .1121 | AVM |  |  |  |  | |  |  |  |  | $XXXXXX | $XXXXXX | .1121 | 96 | 0.04 | Clear Capital | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620642 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 65 | 65 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
|  | 3158620643 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620644 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620645 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620652 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.91 | 58.91 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620654 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620655 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620659 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital Collateral Desktop Analysis | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620660 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620661 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
|  | 3158620666 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0470 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0470 | 92 | 0.08 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620671 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0170 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0170 | 97 | 0.03 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible | 2.8 | XX/XX/XXXX |
|  | 3158620675 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620676 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620682 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  | $XXXXXX | $XXXXXX | -.1437 | 93 | 0.07 | CoreLogic | Other | XX/XX/XXXX | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620683 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620684 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.97 | 73.97 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620685 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible | 3.2 | XX/XX/XXXX |
|  | 3158620686 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.8 | 78.8 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620687 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.07 | 74.07 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620688 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 56.52 | 56.52 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620691 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 65 | 65 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
|  | 3158620692 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 62.92 | 62.92 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 2.9 | XX/XX/XXXX |
|  | 3158620693 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.96 | 69.96 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620695 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
|  | 3158620697 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.99 | 79.99 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620698 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 14.03 | 14.03 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620700 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 62.38 | 62.38 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
|  | 3158620701 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 63.64 | 63.64 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620702 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620703 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 38.96 | 38.96 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620704 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 59.85 | 59.85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620706 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620710 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.53 | 73.53 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620712 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 50 | 50 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620713 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620714 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620715 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.89 | 73.89 |  |  |  |  | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620716 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0268 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0268 | 95 | 0.05 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible | 4.2 | XX/XX/XXXX |
|  | 3158620719 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.82 | 58.82 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620722 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620725 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 45.45 | 45.45 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620727 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 47.34 | 47.34 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620728 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
|  | 3158620734 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.42 | 68.42 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620736 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 20.45 | 20.45 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620738 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 64.44 | 64.44 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620740 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 45.99 | 45.99 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart | reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
|  | 3158620742 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620744 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.25 | 68.25 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620745 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 84.18 | 84.18 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0669 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0669 | 85 | 0.15 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible | 3.3 | XX/XX/XXXX |
|  | 3158620749 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620758 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible | 4.6 | XX/XX/XXXX |
|  | 3158620760 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.02 | 89.02 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620762 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 40.27 | 40.27 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620763 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.92 | 76.92 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620767 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.91 | 74.91 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620768 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620769 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0672 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0672 | 83 | 0.17 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
|  | 3158620771 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.86 | 69.86 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620772 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620774 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620776 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89 | 89 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0816 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.4 | XX/XX/XXXX |
|  | 3158620778 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 51.39 | 51.39 |  |  |  |  | $XXXXXX | $XXXXXX | -.0450 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0450 | 86 | 0.14 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620781 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.98 | 68.98 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620783 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.94 | 60.94 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible | 4.4 | XX/XX/XXXX |
|  | 3158620785 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 57.89 | 57.89 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
|  | 3158620786 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 72.81 | 72.81 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
|  | 3158620789 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620791 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620792 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 |  |  |  |  | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620795 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620797 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.27 | 77.27 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620799 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620800 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 46.17 | 46.17 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620802 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0519 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0519 | 94 | 0.06 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
|  | 3158620803 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620804 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620806 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.43 | 71.43 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620807 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
|  | 3158620809 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620810 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 84.63 | 84.63 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620816 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 81.44 | 81.44 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620818 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 45.25 | 45.25 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620819 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620821 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.97 | 70.97 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  | $XXXXXX | $XXXXXX | -.1034 | 81 | 0.19 | CoreLogic | Other | XX/XX/XXXX | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620822 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.91 | 79.91 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620823 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620825 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.9 | 60.9 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620828 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 25.64 | 25.64 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
|  | 3158620829 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
|  | 3158620830 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.91 | 75.91 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620832 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620837 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 57.19 | 57.19 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620838 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.05 | 71.05 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620841 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.36 | 74.36 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620842 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.11 | 71.11 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
|  | 3158620844 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620846 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 62.69 | 62.69 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620848 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.87 | 77.87 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
|  | 3158620849 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.15 | 76.15 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620850 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620851 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.79 | 78.79 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620853 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620854 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.48 | 58.48 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0454 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0454 | 83 | 0.17 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible | 3.8 | XX/XX/XXXX |
|  | 3158620855 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620857 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.5 | 75.5 |  |  |  |  | $XXXXXX | 0 | .0000 | Desk Review | $XXXXXX | $XXXXXX | .2946 | XX/XX/XXXX | 2090 Individual Coop Report |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620859 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 62.02 | 62.02 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620860 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620862 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620864 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620867 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620871 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620872 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
|  | 3158620873 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620874 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620878 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620880 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
|  | 3158620881 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620883 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620885 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0556 | AVE/CMA |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0556 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
|  | 3158620886 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.24 | 73.24 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620888 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
|  | 3158620890 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 64.52 | 64.52 | $XXXXXX | $XXXXXX | .0161 | 1004 URAR |  |  |  |  | $XXXXXX | $XXXXXX | .0161 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 3158620892 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620893 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.83 | 79.83 | $XXXXXX | $XXXXXX | .0594 | AVM |  |  |  |  | |  |  |  |  | $XXXXXX | $XXXXXX | .0594 | 90 | 0.1 | Clear Capital | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
|  | 3158620895 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 51.73 | 51.73 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620897 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.26 | 78.26 | $XXXXXX | $XXXXXX | -.0870 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | $XXXXXX | -.0870 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
|  | 3158620900 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.4 | 71.4 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620901 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 48.38 | 48.38 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
|  | 3158620904 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 53.16 | 53.16 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620905 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620907 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620908 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.27 | 77.27 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620909 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.74 | 71.74 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620913 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620914 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
|  | 3158620916 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
|  | 3158620918 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620920 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620923 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | $XXXXXX | 9.0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620924 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620925 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.34 | 73.34 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620926 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 48.14 | 48.14 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620927 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.31 | 79.31 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620928 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158620933 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620934 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620936 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.41 | 77.41 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620938 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158620939 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 67.84 | 67.84 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620940 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.4 | 76.4 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620941 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620942 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) | $XXXXXX | $XXXXXX | -.0025 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | $XXXXXX | -.0025 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158620946 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.85 | 77.85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620947 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.78 | 76.78 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
|  | 3158620949 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 84.65 | 84.65 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620950 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.17 | 76.17 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620953 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158620954 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 50 | 50 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620955 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.69 | 79.69 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620956 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.95 | 74.95 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158620957 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620958 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158620960 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.68 | 60.68 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620962 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 76.11 | 76.11 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620963 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0480 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0480 | 68 | 0.9 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
|  | 3158620964 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
|  | 3158620966 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.46 | 71.46 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620968 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.9 | 70.9 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  | $XXXXXX | $XXXXXX | -.2431 | 81 | 0.19 | CoreLogic | Other | XX/XX/XXXX | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
|  | 3158620970 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620971 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 37.86 | 37.86 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620973 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620974 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.23 | 69.23 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620975 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.96 | 68.96 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
|  | 3158620976 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.49 | 60.49 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620977 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620978 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620979 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158620982 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
|  | 3158620984 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 2.6 |  |
|  | 3158620985 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 82.5 | 82.5 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0455 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | $XXXXXX | -.0455 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
|  | 3158620986 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.04 | 79.04 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
|  | 3158620996 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158620999 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 52 | 52 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
|  | 3158621004 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
|  | 3158621005 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.96 | 71.96 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158621006 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621009 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60 | 60 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621010 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.68 | 70.68 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
|  | 3158621012 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.67 | 79.67 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621014 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 33.71 | 33.71 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
|  | 3158621018 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.13 | 74.13 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
|  | 3158621022 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 63.14 | 63.14 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
|  | 3158621026 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.41 | 78.41 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621027 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 71.94 | 71.94 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
|  | 3158621028 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
|  | 3158621031 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 | Desk Review | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158621032 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.01 | 78.01 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
|  | 3158621033 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 62.09 | 62.09 | $XXXXXX | 0 | .0000 | Desk Review |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  | $XXXXXX | 0 | .0000 | Stewart Valuation Intelligence | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
|  | 3158621034 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 72.4 | 72.4 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621036 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621041 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.87 | 68.87 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | -.0744 | AVM | |  |  |  |  | $XXXXXX | $XXXXXX | -.0744 | 92 | 0.08 | CoreLogic | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
|  | 3158621043 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60 | 60 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621045 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.64 | 78.64 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
|  | 3158621047 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
|  | 3158621048 |  | XX/XX/XXXX | XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 77.69 | 77.69 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
|  | 3158621053 |  | XX/XX/XXXX | XXXXXXX | XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |

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## Exhibit 99.16

**Exhibit 99.16**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 3158620411 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | In the 1003 form, REO3 showed a negative rental income of -$XX, and P&I was not calculated because it <br> does not belong to the borrower. However, during the audit, P&I was included since it impacts the DTI calculation." |
|  | 3158620419 |  | 0507-095 | Qualifying LTV | propertyValuationPage | XX | XX | Audit Value of Subject Lien / Qualifying Value |
|  | 3158620447 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620479 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | 1008 DTI 41.713%. Audit reflects difference in negative rental income per documents in the loan file. |
|  | 3158620501 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620510 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620520 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620564 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620617 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit reflects difference in net rental income per documents in the loan file. |
|  | 3158620619 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit Value Pulled From Appraisal. |
|  | 3158620623 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620632 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620686 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit Value Pulled From Appraisal. |
|  | 3158620693 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
|  | 3158620714 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit reflects difference in qualifying P & I than the approval.  |
|  | 3158620740 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit reflects difference in subject property taxes per documents in the loan file.  |
|  | 3158620767 |  | 0507-095 | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
|  | 3158620767 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit liabilities were based on documents in the loan file. |
|  | 3158620771 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit Value Pulled From Appraisal |
|  | 3158620789 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit Value Pulled From Appraisal. |
|  | 3158620792 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620842 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit reflects difference in qualifying P & I than the approval.  |
|  | 3158620848 |  | 0507-095 | Qualifying LTV | propertyValuationPage | XX | XX | Audit Value of Subject Lien / Qualifying Value |
|  | 3158620864 |  | 0507-095 | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
|  | 3158620885 |  | 0507-095 | Property City | notePage | XX | XX | Audit Value Pulled From Note. |
|  | 3158620888 |  | 0507-095 | Borrower 2 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620888 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620890 |  | 0507-095 | Property City | notePage | XX | XX | Audit Value Pulled From Note. |
|  | 3158620893 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620900 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit value pulled from documents located in the loan file. |
|  | 3158620905 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | DTI difference is less than 1% and within lender tolerance.  |
|  | 3158620907 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit Value Pulled From Final 1003. |
|  | 3158620914 |  | 0507-095 | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
|  | 3158620977 |  | 0507-095 | Property Type | propertyValuationPage | XX | XX | Audit Value Pulled From Appraisal. |
|  | 3158620982 |  | 0507-095 | Borrower 1 Self-Employment Flag | employmentIncomePage | XX | XX | Audit Value Pulled From Final 1003. |
|  | 3158620982 |  | 0507-095 | Borrower 2 Self-Employment Flag | employmentIncomePage | XX | XX | Audit Value Pulled From Final 1003. |
|  | 3158621033 |  | 0507-095 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XX | XX | Audit omitted installment loan with < 10 payments remaining.  |

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