# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-25-003420
**Filing Date:** 2025-9
**Character Count:** 1695244
**Document Hash:** d1e4e6c2f0e103b404dde9e780ab9e38
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-003420.hdr.sgml**: 20250910

**ACCESSION NUMBER**: 0000929638-25-003420

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

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20250910

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

**FILED AS OF DATE**: 20250910

**DATE AS OF CHANGE**: 20250910

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251306523

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

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

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

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

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

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

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

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

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

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

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

---

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

---

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-HYB1</u>

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

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

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

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

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

#### SIGNATURES

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

Dated: September 10, 2025

---

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

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report 2.0

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

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

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

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

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

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

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

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

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2025-HYB1 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### September 5, 2025

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

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

---

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 1 August 28, 2025

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![](clayton_logo.gif)

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

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

---

OVERVIEW

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 121 residential loans selected for the SEMT 2025-HYB1 transaction.

On 121 loans, Clayton performed a Full Scope review of loans to include all scopes within the "TPR Component Review Scope" below.

The loans referenced in this narrative report were reviewed on a flow basis between October 2024 and August 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 16 | 13.22% |
| Retail | 105 | 86.78% |
| **Total** | **121** | **100.00%** |

---

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

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

------

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 2 September 5, 2025

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![](clayton_logo.gif)

SAMPLING

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton*** | ***Scope Applied*** |
| **Full Review** | 121 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 121 |  |

---

SPONSOR ACQUISITION CRITERIA

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

LOAN GRADING

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

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

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 3 September 5, 2025

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![](clayton_logo.gif) <br>

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

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

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

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

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

---

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

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

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

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

◾ Value Supported Analysis

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

For loans reviewed in a post-close valuation review scenario:

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

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

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

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 4 September 5, 2025

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![](clayton_logo.gif)

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

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

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

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

<br> - TIL APR and Finance charge tolerances;

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

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

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

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

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

---

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

---

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

<br> - Prepayment Penalty restrictions.

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

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

<br> - GFE initial disclosure timing and content;

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

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 5 September 5, 2025

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![](clayton_logo.gif)

Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

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

◾ Loan Reviewer collects validated loan data in eCLAS;

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

◾ Discrepancies found during comparison are stored

DATA COMPARE RESULTS

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

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Borrower 1 First Time Home Buyer | 2 | 98.35% |
| Combined LTV | 10 | 91.74% |
| Debt to Income Ratio (Back) | 22 | 81.82% |
| Note Rate | 1 | 99.17% |
| Original Balance | 2 | 98.35% |
| Original LTV | 8 | 93.39% |

---

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 6 September 5, 2025

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![](clayton_logo.gif)

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

---

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

---

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 44 | 7 | 7 | 22 | **80** |
| **Final** | **B** |  | 7 | 15 | 19 | **41** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **44** | **14** | **22** | **41** | **121** |

---

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 7 September 5, 2025

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![](clayton_logo.gif)

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 73 | 4 | 5 | 18 | **100** |
| **Final** | B |  | 9 | 2 | 10 | **21** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **73** | **13** | **7** | **28** | **121** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 106 |  | 5 | 8 | **119** |
| **Final** | B |  |  | 1 | 1 | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **106** | **0** | **6** | **9** | **121** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 70 | 8 | 5 | 15 | **98** |
| **Final** | B |  | 2 | 18 | 3 | **23** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **70** | **10** | **23** | **18** | **121** |

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 8 September 5, 2025

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. Conditions Report

<br> 5. Loan Level Tape Compare Upload

<br> 6. Waived Conditions Summary Report

<br> 7. Valuations Summary Reports

<br> 8. Rating Agency ATR QM Upload

<br> 9. ATR QM Upload

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 9 September 5, 2025

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

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

<br> o Borrower eligibility, including:

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

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

<br> o Transaction eligibility, including:

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

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

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

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

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

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

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

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

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

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

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

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

<br> - Other documentation in loan file

<br> o Income review included:

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

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

<br> - IRS Form 4506-T

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

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

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

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

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

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

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

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

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

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

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

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

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

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

<br> - Applicable title endorsements were present

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

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

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

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

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

<br> - Seller contributions did not exceed maximum allowed

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

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

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

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

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

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

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

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

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

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 12 September 5, 2025

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

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

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

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

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

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

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

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

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

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

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

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

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

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

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

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

<br> o USPAP

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

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

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

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

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

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

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

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

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

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

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

<br> - Property usage was reviewed for zoning compliance

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

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

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

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

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

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

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

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SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 15 September 5, 2025

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

#### Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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

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

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

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

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

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

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

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

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

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

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

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

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

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

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

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

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

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

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

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

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

<br>© 2025 Clayton Services LLC. All rights reserved.

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

SEMT 2025-HYB1 Due Diligence Narrative Report Page \| 20<br> September 5, 2025

## Exhibit 99.2

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| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** | **SEMT 2025-HYB1** |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** | **10/18/2024 - 8/22/2025** |  |  |
| **Deal Loan Count:** | **121** |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *121* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409005802 | XXXX | Debt to Income Ratio (Back) | 36.0300 | 31.7326 |
| 409005812 | XXXX | Combined LTV | 60.92 | 80.00 |
| 409009583 | XXXX | Combined LTV | 59.02 | 61.90 |
| 409009583 | XXXX | Note Rate | 6.25 | 6.1250 |
| 409009583 | XXXX | Original Balance | 1800000.00 | 1755000.00 |
| 409009583 | XXXX | Original LTV | 59.02 | 61.90 |
| 409011896 | XXXX | Combined LTV | 73.68 | 70.00 |
| 409011896 | XXXX | Original LTV | 73.68 | 70.00 |
| 409011990 | XXXX | Debt to Income Ratio (Back) | 42.6500 | 38.1705 |
| 409012399 | XXXX | Combined LTV | 50.48 | 46.09 |
| 409012399 | XXXX | Debt to Income Ratio (Back) | 22.3700 | 42.8216 |
| 409012399 | XXXX | Original LTV | 50.48 | 46.09 |
| 409012524 | XXXX | Combined LTV | 50.00 | 46.67 |
| 409012524 | XXXX | Debt to Income Ratio (Back) | 9.9400 | 14.7587 |
| 409012524 | XXXX | Original LTV | 40.00 | 46.67 |
| 409013056 | XXXX | Debt to Income Ratio (Back) | 27.0000 | 23.1185 |
| 409013062 | XXXX | Combined LTV | 60.78 | 37.25 |
| 409013062 | XXXX | Debt to Income Ratio (Back) | 34.8400 | 22.2922 |
| 409013062 | XXXX | Original LTV | 60.78 | 37.25 |
| 409013279 | XXXX | Debt to Income Ratio (Back) | 42.9700 | 37.1582 |
| 409013414 | XXXX | Debt to Income Ratio (Back) | 42.4200 | 36.3870 |
| 409014975 | XXXX | Borrower 1 First Time Home Buyer | XXXX | XXXX |
| 409014975 | XXXX | Combined LTV | 78.46 | 80.00 |
| 409014975 | XXXX | Debt to Income Ratio (Back) | 26.9400 | 41.8635 |
| 409014975 | XXXX | Original LTV | 78.46 | 80.00 |
| 409014981 | XXXX | Debt to Income Ratio (Back) | 18.1100 | 38.3065 |
| 409014988 | XXXX | Debt to Income Ratio (Back) | 41.5800 | 36.2276 |
| 409015096 | XXXX | Combined LTV | 48.16 | 49.17 |
| 409015096 | XXXX | Debt to Income Ratio (Back) | 32.1900 | 35.5087 |
| 409015096 | XXXX | Original LTV | 48.16 | 49.17 |
| 409015151 | XXXX | Debt to Income Ratio (Back) | 24.8600 | 37.1664 |
| 409015191 | XXXX | Debt to Income Ratio (Back) | 45.0000 | 38.9437 |
| 409015418 | XXXX | Debt to Income Ratio (Back) | 26.0800 | 21.1668 |
| 409015466 | XXXX | Debt to Income Ratio (Back) | 37.8300 | 33.4404 |
| 409015525 | XXXX | Debt to Income Ratio (Back) | 40.0000 | 27.1348 |
| 409015575 | XXXX | Debt to Income Ratio (Back) | 44.9900 | 41.3935 |
| 409015727 | XXXX | Debt to Income Ratio (Back) | 40.6200 | 37.3764 |
| 409015750 | XXXX | Debt to Income Ratio (Back) | 38.0800 | 18.5228 |
| 409015918 | XXXX | Original Balance | 979000.00 | 979200.00 |
| 409016320 | XXXX | Combined LTV | 80.00 | 76.47 |
| 409016320 | XXXX | Original LTV | 80.00 | 76.47 |
| 409016423 | XXXX | Debt to Income Ratio (Back) | 36.0700 | 31.5571 |
| 409016555 | XXXX | Borrower 1 First Time Home Buyer | XXXX | XXXX |
| 409016832 | XXXX | Combined LTV | 57.14 | 80.00 |
| 409016838 | XXXX | Debt to Income Ratio (Back) | 39.1500 | 36.0037 |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *121* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409005798 | QM: Safe Harbor (APOR)&nbsp;&nbsp;&nbsp;&nbsp; <br>| No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.3941 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005799 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.5039 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005800 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2220 | XXXXX | 7.2769 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005801 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.3515 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005802 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2620 | XXXXX | 7.4276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005804 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.3526 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409005805 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1685 | XXXXX | 7.6124 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409005806 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.4443 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005807 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2620 | XXXXX | 7.5545 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005808 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7970 | XXXXX | 7.5972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409005810 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3855 | XXXXX | 7.4343 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005811 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2255 | XXXXX | 7.539 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005812 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.5031 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005813 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2545 | XXXXX | 7.4486 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005814 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2520 | XXXXX | 7.7207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409005815 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3120 | XXXXX | 7.4186 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409005816 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 7.4076 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009583 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6174 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011896 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6855 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409011986 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.8232 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011990 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 8649.13 | XXXXX | 6.632 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011995 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27220 | XXXXX | 6.5626 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012368 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2444 | XXXXX | 6.8232 | Unemployed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012374 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.5999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012399 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.845 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012524 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6499 | XXXXX | 6.6399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013056 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1653 | XXXXX | 6.7628 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013062 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013070 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20257.6 | XXXXX | 6.6207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013146 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10189 | XXXXX | 6.8681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013157 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1415 | XXXXX | 6.9369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013279 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8404.6 | XXXXX | 6.6018 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409013290 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1928.25 | XXXXX | 6.8972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013315 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2078.25 | XXXXX | 6.8782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013339 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.8298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013414 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 13150 | XXXXX | 6.8143 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013438 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.8281 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014285 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4675 | XXXXX | 6.8691 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409014948 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1660.25 | XXXXX | 6.6782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014962 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2005 | XXXXX | 6.6357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014975 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2075 | XXXXX | 6.8643 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014981 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1775 | XXXXX | 6.7855 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014986 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.8515 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014988 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3915 | XXXXX | 6.5344 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015057 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2330 | XXXXX | 6.7147 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015060 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2470.25 | XXXXX | 6.6949 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015067 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 22388.2 | XXXXX | 6.4698 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015096 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11942.06 | XXXXX | 6.6588 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409015116 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.9566 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015151 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.7562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015153 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.8978 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015155 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.7428 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015174 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.4312 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015182 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6365 | XXXXX | 6.723 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015190 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3849.5 | XXXXX | 6.7597 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015191 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23982.5 | XXXXX | 6.5505 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015196 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13618 | XXXXX | 6.6697 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015200 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.7906 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015206 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.8133 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015217 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11499 | XXXXX | 6.8355 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015219 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8595 | XXXXX | 6.7007 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015418 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.6187 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015430 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.686 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015446 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6295 | XXXXX | 6.6717 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015466 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 30754.6 | XXXXX | 6.6328 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015499 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015519 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 8719.5 | XXXXX | 6.8073 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015525 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10365 | XXXXX | 6.7174 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015543 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1948 | XXXXX | 6.6977 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015563 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.7041 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015575 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10631.32 | XXXXX | 6.9136 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409015582 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2133.5 | XXXXX | 6.7529 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015596 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.7238 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015647 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6623 | XXXXX | 6.9828 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015716 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10869.4 | XXXXX | 6.8658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015717 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8608 | XXXXX | 6.7995 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015727 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 414 | XXXXX | 6.6803 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015750 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9839 | XXXXX | 6.6207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015918 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1726 | XXXXX | 6.7589 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015934 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2267.48 | XXXXX | 6.8993 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016061 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.9387 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016280 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1539.25 | XXXXX | 6.5585 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016320 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17300 | XXXXX | 6.8678 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016423 | QM: Rebuttable Presumption (APOR) <br>| No | Yes | XXXXX | XXXXX | No | Yes | 7470 | XXXXX | 6.8625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016555 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1971.41 | XXXXX | 6.5948 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016645 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.8534 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016817 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2521.6 | XXXXX | 7.1885 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016818 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2619 | XXXXX | 6.7822 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016819 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5526 | XXXXX | 6.7904 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016820 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2969 | XXXXX | 6.8835 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016821 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14189.16 | XXXXX | 7.0192 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016822 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2469 | XXXXX | 6.8293 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016823 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7985 | XXXXX | 6.9317 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409016824 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2827.5 | XXXXX | 6.8008 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016825 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2620 | XXXXX | 6.8247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016826 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4570 | XXXXX | 7.0978 | Unemployed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016827 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2795 | XXXXX | 7.0908 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016828 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2870 | XXXXX | 6.7538 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016829 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6577.51 | XXXXX | 6.8372 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016830 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3045 | XXXXX | 6.7592 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016832 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12519.95 | XXXXX | 6.828 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016833 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.8251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016834 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.5762 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016835 | QM: Safe Harbor (APOsR) | No | Yes | XXXXX | XXXXX | No | Yes | 2890 | XXXXX | 6.8028 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016836 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.8997 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016837 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2670 | XXXXX | 6.8816 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016838 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3205 | XXXXX | 6.8105 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016839 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3465 | XXXXX | 6.8046 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016840 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2515 | XXXXX | 6.8821 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016841 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2590 | XXXXX | 7.0948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016842 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2440 | XXXXX | 6.8312 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016843 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.8232 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016844 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2445 | XXXXX | 6.8162 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016845 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2120 | XXXXX | 6.8012 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016846 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2275 | XXXXX | 7.0519 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409017000 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 49.95 | XXXXX | 6.7428 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017726 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.7564 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018006 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1825.25 | XXXXX | 6.798 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018566 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5836.38 | XXXXX | 6.8895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019557 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12039 | XXXXX | 7.01 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020799 | QM: Safe Harbor | No | Yes | XXXXX | XXXXX | No | Yes | 2542.62 | XXXXX | 4.0805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** | **10/18/2024 - 8/22/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *121* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **Loan Status** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Written VOE Form** | **Borrower 2 Written VOE Form** | **Borrower 3 Written VOE Form** | **Borrower 4 Written VOE Form** | **Borrower 1 P&L Prepared By** | **Borrower 2 P&L Prepared By** | **Borrower 3 P&L Prepared By** | **Borrower 4 P&L Prepared By** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR Method Used** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409005798 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3941 | Yes | Yes | 0.182 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.15 | 46.32 | 39.15 | 40.7 | 40.7 | 46.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005799 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5039 | Yes | Yes | 0.284 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.43 | 29.54 | 29.43 | 26.45 | 26.45 | 29.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005800 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2769 | Yes | Yes | 0.233 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.1 | 40.37 | 37.1 | 36.89 | 36.89 | 40.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months | Offer Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005801 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3515 | Yes | Yes | 0.178 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.32 | 30.1 | 26.32 | 26.32 | 26.32 | 30.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005802 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4276 | Yes | Yes | 0.266 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.28 | 36.16 | 36.28 | 31.73 | 31.73 | 36.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 23 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005804 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3526 | Yes | Yes | 0.208 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.22 | 41.84 | 39.22 | 36.8 | 36.8 | 41.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005805 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6124 | Yes | Yes | 0.193 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.1 | 35.33 | 32.1 | 33 | 33 | 35.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005806 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4443 | Yes | Yes | 0.326 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.73 | 34.07 | 30.73 | 30.93 | 30.93 | 34.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005807 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5545 | Yes | Yes | 0.205 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.32 | 39.07 | 36.32 | 36.32 | 36.32 | 39.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005808 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5972 | Yes | Yes | 0.733 | 0.155 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.44 | 39.27 | 38.44 | 36.7 | 36.7 | 39.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005810 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4343 | Yes | Yes | 0.443 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.35 | 36.13 | 32.35 | 33.37 | 33.37 | 36.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005811 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5390 | Yes | Yes | 0.268 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.01 | 35.01 | 32.01 | 33.03 | 33.03 | 35.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005812 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5031 | Yes | Yes | 0.315 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.8 | 42.17 | 39.8 | 39.68 | 39.68 | 42.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005813 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4486 | Yes | Yes | 0.309 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.25 | 35.03 | 33.25 | 33.25 | 33.25 | 35.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005814 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.7207 | Yes | Yes | 0.367 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.7 | 36.61 | 37.7 | 36.61 | 36.61 | 37.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005815 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4186 | Yes | Yes | 0.228 | 0.530 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.95 | 44.95 | 40.95 | 40.95 | 40.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409005816 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4076 | Yes | Yes | 0.259 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.67 | 19.55 | 19.67 | 18.79 | 18.79 | 19.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409009583 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6174 | Yes | Yes | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.99 | 42.99 | 39.71 | 39.71 | 42.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409011896 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6855 | Yes | No | 0.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.01 | 43.75 | 44.01 | 41.46 | 41.46 | 43.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409011986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8232 | Yes | No | 0.148 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.39 | 44.39 | 44.39 | 40.87 | 40.87 | 44.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Paystub - 1 months;<br> Written VOE - 17 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409011990 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6320 | Yes | Yes | 0.979 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.83 | 42.58 | 42.83 | 38.17 | 38.17 | 42.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409011995 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5626 | No | No | 2.238 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.72 | 48.07 | 43.72 | 43.11 | 43.11 | 48.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409012368 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8232 | Yes | Yes | 0.21 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.97 | 33.01 | 32.97 | 32.04 | 32.04 | 33.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409012374 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5999 | Yes | Yes | 0.088 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.76 | 22.85 | 22.76 | 21.48 | 21.48 | 21.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409012399 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8450 | Yes | No | 0.162 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 43.64 | 44.96 | 42.82 | 42.82 | 43.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409012524 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6399 | Yes | Yes | 0.328 | 0.328 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.33 | 15.82 | 16.33 | 14.76 | 14.76 | 15.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013056 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7628 | Yes | Yes | 0.221 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.95 | 24.5 | 24.95 | 23.12 | 23.12 | 24.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013062 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6745 | Yes | Yes | 0.174 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.52 | 23.12 | 23.52 | 22.29 | 22.29 | 23.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013070 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6207 | Yes | No | 1.752 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.82 | 44.83 | 44.82 | 42 | 42 | 44.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013146 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8681 | Yes | No | 1.004 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 44.68 | 44.68 | 42.53 | 42.53 | 44.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013157 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9369 | Yes | Yes | 0.223 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.99 | 41.03 | 40.99 | 39.97 | 39.97 | 41.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013279 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6018 | Yes | Yes | 0.746 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.97 | 37.86 | 42.97 | 42.32 | 37.16 | 42.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409013290 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8972 | Yes | Yes | 0.129 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.49 | 32.61 | 33.49 | 32.61 | 32.61 | 33.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013315 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8782 | Yes | Yes | 0.135 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.68 | 42.81 | 42.68 | 40.04 | 40.04 | 42.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013339 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8298 | Yes | Yes | 0.266 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.67 | 42.41 | 42.67 | 40.66 | 40.66 | 42.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013414 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8143 | Yes | Yes | 1.336 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.07 | 39.07 | 39.07 | 36.39 | 36.39 | 39.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 15 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013438 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8281 | Yes | Yes | 0.285 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.71 | 41.97 | 42.71 | 41.97 | 41.97 | 42.56 | No | No | (No Data) | XXXXX | Yes | 360 | No | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 28 months | CPA Letter without Income - 180 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014285 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8691 | Yes | Yes | 0.473 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.61 | 42.19 | 42.61 | 40.85 | 40.85 | 42.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 409014948 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6782 | Yes | Yes | 0.094 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.1 | 24.16 | 25.1 | 23.15 | 23.15 | 24.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014962 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6357 | Yes | No | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.16 | 44.04 | 44.16 | 42.45 | 42.45 | 44.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 3 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014975 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8643 | Yes | Yes | 0.205 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.34 | 42.42 | 32.34 | 41.86 | 41.86 | 42.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Bank Statements - 2 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Business Bank Statements - 2 months;<br> Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014981 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7855 | Yes | Yes | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.23 | 39.71 | 39.23 | 38.31 | 38.31 | 39.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8515 | Yes | No | 0.309 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.98 | 44.35 | 43.98 | 42.19 | 42.19 | 44.35 | No | No | (No Data) | XXXXX | Yes | 360 | No | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014988 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5344 | Yes | Yes | 0.374 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.81 | 38.49 | 39.81 | 36.23 | 36.23 | 38.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015057 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7147 | Yes | Yes | 0.171 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.85 | 40.99 | 41.85 | 39.42 | 39.42 | 40.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015060 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6949 | Yes | Yes | 0.188 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.29 | 38.21 | 38.29 | 36.93 | 36.93 | 38.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 17 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015067 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4698 | Yes | No | 1.939 | 1.939 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.98 | 43.33 | 43.98 | 39.03 | 39.03 | 43.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6588 | Yes | Yes | 1.146 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.06 | 38.73 | 39.06 | 35.51 | 35.51 | 38.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 409015116 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9566 | Yes | Yes | 0.221 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.54 | 42.37 | 41.54 | 41.01 | 41.01 | 42.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015151 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7562 | Yes | Yes | 0.162 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.97 | 38.17 | 38.97 | 37.17 | 37.17 | 38.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Lender Form | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015153 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8978 | Yes | Yes | 0.136 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.28 | 42.36 | 42.28 | 41.77 | 41.77 | 42.36 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015155 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7428 | Yes | Yes | 0.133 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.74 | 40.57 | 40.74 | 38.29 | 38.29 | 40.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015174 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4312 | Yes | Yes | 0.067 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.79 | 30.79 | 30.79 | 28.22 | 28.22 | 30.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015182 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7230 | Yes | No | 0.446 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.39 | 43.22 | 43.39 | 41.41 | 41.41 | 43.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015190 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7597 | Yes | Yes | 0.778 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.15 | 27.79 | 27.15 | 27.79 | 27.79 | 28.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015191 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5505 | Yes | No | 1.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.52 | 43.52 | 43.52 | 38.94 | 38.94 | 43.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015196 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6697 | Yes | Yes | 1.181 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.14 | 37.83 | 38.14 | 36.45 | 36.45 | 36.45 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 3 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015200 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7906 | Yes | Yes | 0.33 | 0.330 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.79 | 42.43 | 42.79 | 40.79 | 40.79 | 42.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015206 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8133 | Yes | Yes | 0.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.5 | 41.07 | 40.5 | 40.54 | 40.54 | 41.07 | No | No | (No Data) | XXXXX | Yes | 360 | No | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8355 | Yes | Yes | 0.672 | 0.672 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.08 | 37.97 | 38.08 | 37.2 | 37.2 | 37.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015219 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7007 | Yes | Yes | 0.59 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.08 | 25.09 | 25.08 | 24.13 | 24.13 | 25.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015418 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6187 | Yes | Yes | 0.31 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.17 | 22.62 | 21.17 | 21.17 | 21.17 | 22.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 12 months | Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015430 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6860 | Yes | Yes | 0.099 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.72 | 40.96 | 39.72 | 39.94 | 39.94 | 40.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6717 | Yes | Yes | 0.613 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.15 | 17.6 | 17.15 | 16.78 | 16.78 | 17.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015466 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6328 | Yes | Yes | 2.693 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.14 | 36.99 | 37.14 | 33.44 | 33.44 | 36.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015499 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6631 | Yes | Yes | 0.115 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.8 | 30.18 | 28.8 | 28.81 | 28.81 | 30.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015519 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8073 | Yes | Yes | 1.952 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.71 | 34.72 | 34.71 | 33.13 | 33.13 | 34.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015525 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7174 | Yes | Yes | 0.877 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.49 | 27.13 | 28.49 | 27.13 | 27.13 | 28.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015543 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6977 | Yes | Yes | 0.185 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.79 | 42.61 | 42.79 | 41 | 41 | 42.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015563 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7041 | Yes | Yes | 0.107 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.5 | 34.86 | 35.5 | 33.04 | 33.04 | 33.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015575 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9136 | Yes | No | 0.798 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.83 | 42.42 | 43.83 | 41.39 | 41.39 | 42.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409015582 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7529 | Yes | Yes | 0.205 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25 | 27.04 | 25 | 25.78 | 25.78 | 27.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015596 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7238 | Yes | Yes | 0.113 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.88 | 32.86 | 33.88 | 31.76 | 31.76 | 32.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015647 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9828 | Yes | Yes | 1.17 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.75 | 32.5 | 34.75 | 32.5 | 32.5 | 32.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8658 | Yes | Yes | 0.864 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.64 | 34.64 | 34.64 | 33.64 | 33.64 | 34.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015717 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7995 | Yes | Yes | 1.234 | 1.234 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.8 | 31.16 | 31.8 | 29.66 | 29.66 | 31.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015727 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6803 | Yes | Yes | 0.025 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39 | 38.66 | 39 | 37.38 | 37.38 | 38.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015750 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6207 | Yes | Yes | 1.166 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.51 | 20.51 | 20.51 | 18.52 | 18.52 | 20.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015918 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7589 | Yes | Yes | 0.177 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.08 | 16.6 | 17.08 | 15.87 | 15.87 | 16.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015934 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8993 | Yes | Yes | 0.279 | 0.816 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.51 | 39.77 | 39.51 | 39.08 | 39.08 | 39.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 5 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016061 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9387 | Yes | No | 0.23 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.12 | 42.97 | 43.12 | 41.97 | 41.97 | 42.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016280 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5585 | Yes | Yes | 0.214 | 0.208 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.73 | 25.7 | 25.73 | 23.8 | 23.8 | 25.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409016320 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8678 | Yes | Yes | 1.704 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.44 | 41.41 | 39.44 | 39.87 | 39.87 | 41.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016423 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8625 | Yes | Yes | 0.609 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.07 | 32.64 | 36.07 | 35.54 | 31.56 | 36.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016555 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5948 | Yes | Yes | 0.166 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.65 | 40.37 | 40.65 | 36.44 | 36.44 | 40.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 15 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 18 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016645 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8534 | Yes | Yes | 0.162 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.37 | 37.55 | 38.37 | 36.83 | 36.83 | 38.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016817 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1885 | Yes | Yes | 0.98 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.61 | 17.53 | 17.61 | 17.53 | 17.53 | 17.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016818 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7822 | Yes | Yes | 0.302 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.4 | 43.19 | 40.4 | 41.8 | 41.8 | 43.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months | Award Letter - 12 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016819 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7904 | Yes | Yes | 0.489 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.6 | 40.62 | 38.6 | 39.11 | 39.11 | 40.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016820 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8835 | Yes | Yes | 0.262 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.58 | 42.25 | 41.58 | 41.16 | 41.16 | 42.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016821 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0192 | Yes | Yes | 1.402 | 1.402 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.5 | 36.54 | 36.5 | 34.02 | 34.02 | 36.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016822 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8293 | Yes | Yes | 0.264 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.06 | 34.35 | 33.06 | 32.7 | 32.7 | 34.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016823 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9317 | Yes | Yes | 0.725 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.06 | 35.62 | 34.06 | 34.25 | 34.25 | 35.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409016824 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8008 | Yes | Yes | 0.327 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.26 | 44.21 | 41.26 | 41.31 | 41.31 | 44.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016825 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8247 | Yes | Yes | 0.267 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.76 | 33.3 | 32.76 | 30.61 | 30.61 | 33.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016826 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0978 | Yes | Yes | 0.514 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.24 | 38.91 | 38.24 | 38.2 | 38.2 | 38.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0908 | Yes | Yes | 0.229 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.36 | 42.31 | 40.36 | 40.07 | 40.07 | 42.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016828 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7538 | Yes | Yes | 0.362 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.3 | 42.35 | 42.3 | 40.19 | 40.19 | 42.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016829 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8372 | Yes | Yes | 0.828 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.83 | 42.59 | 40.83 | 40.84 | 40.84 | 42.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016830 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7592 | Yes | Yes | 0.233 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.29 | 37.84 | 36.29 | 35.83 | 35.83 | 37.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016832 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8280 | Yes | Yes | 1.278 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.94 | 38.39 | 36.94 | 36.81 | 36.81 | 38.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016833 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8251 | Yes | Yes | 0.304 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.38 | 40.6 | 38.38 | 38.54 | 38.54 | 40.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016834 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5762 | Yes | Yes | 0.801 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.11 | 37.6 | 36.11 | 36.01 | 36.01 | 37.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016835 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8028 | Yes | Yes | 0.306 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.74 | 32.71 | 29.74 | 30.32 | 30.32 | 32.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016836 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8997 | Yes | Yes | 0.298 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.12 | 19.96 | 19.12 | 19.12 | 19.12 | 19.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8816 | Yes | Yes | 0.25 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.13 | 38.19 | 41.13 | 37.42 | 37.42 | 38.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016838 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8105 | Yes | Yes | 0.373 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.15 | 38.87 | 39.15 | 36 | 36 | 38.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8046 | Yes | Yes | 0.227 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.87 | 40.94 | 38.87 | 39.09 | 39.09 | 40.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016840 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8821 | Yes | Yes | 0.254 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.27 | 39.27 | 39.27 | 36.49 | 36.49 | 39.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0948 | Yes | Yes | 0.31 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.34 | 36.9 | 34.34 | 34.34 | 34.34 | 36.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016842 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8312 | Yes | Yes | 0.29 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.39 | 44.06 | 42.39 | 42.39 | 42.39 | 44.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409016843 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8232 | Yes | Yes | 0.234 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.13 | 38.1 | 36.13 | 36.93 | 36.93 | 38.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016844 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8162 | Yes | Yes | 0.259 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.61 | 41.67 | 40.61 | 40.61 | 40.61 | 41.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409016845 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8012 | Yes | Yes | 0.217 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.37 | 43.56 | 41.37 | 41.11 | 41.11 | 43.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016846 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0519 | Yes | Yes | 0.405 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.59 | 39.89 | 39.59 | 39.28 | 39.28 | 39.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409017000 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7428 | Yes | Yes | 0.011 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.95 | 22.83 | 22.95 | 21.93 | 21.93 | 22.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017726 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7564 | Yes | Yes | 0.143 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.07 | 20.91 | 21.07 | 20.23 | 20.23 | 20.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7980 | Yes | Yes | 0.185 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.28 | 42.28 | 42.28 | 40.02 | 40.02 | 42.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018566 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8895 | Yes | Yes | 0.396 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 43.68 | 42.8 | 42.38 | 42.38 | 43.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019557 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0100 | Yes | Yes | 1.323 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 42.55 | 41.74 | 42.01 | 42.01 | 42.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020799 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 4.0805 | Yes | Yes | 0.49 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.72 | 37.75 | 37.72 | 36.3 | 36.3 | 37.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 14 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. <br>

## Exhibit 99.5

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| **Client Name:** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:&nbsp;&nbsp;&nbsp;&nbsp;** <br>| **SEMT 2025-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** | **10/18/2024 - 8/22/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *121* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 409005798 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005800 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005801 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | 0.00% | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005802 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409005804 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005805 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005806 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005807 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005808 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005810 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005811 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409005812 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409005813 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005814 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005815 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409005816 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009583 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409011896 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 409011986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011990 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409011995 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 409012368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012374 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409012399 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409012524 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | 2.10% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013056 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409013062 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409013070 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 409013146 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 409013157 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 409013279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013290 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 409013315 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409013339 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409013414 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 409013438 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 409014285 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 409014948 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | 7.21% | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014962 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409014975 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014981 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409014986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409014988 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 409015057 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 409015060 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409015067 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015116 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 409015151 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409015153 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 409015155 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015174 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 409015182 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 409015190 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 409015191 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 409015196 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 409015200 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 409015206 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | 7.79% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015217 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 409015219 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015418 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 409015430 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 409015446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 409015466 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 409015499 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015519 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015525 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015543 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015563 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | 0.00% | 3.1 |
| 409015575 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015582 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 409015596 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 409015647 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 409015716 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409015717 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015727 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 409015750 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409015918 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 409015934 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 409016061 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016280 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | -2.75% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 409016320 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.0 |
| 409016423 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016555 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 409016645 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 409016817 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016818 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 409016819 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 409016820 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409016821 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016822 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 409016823 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 409016824 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016825 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016826 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016828 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016829 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016830 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 409016832 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016833 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016834 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016835 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016836 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 409016837 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016838 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409016839 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 409016840 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 409016841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 409016842 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.0 |
| 409016843 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016844 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409016845 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 409016846 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 409017000 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 409017726 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 4.56% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 409018566 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019557 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 409020799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |

---

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** | **SEMT 2025-HYB1** |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** | **10/18/2024 - 8/22/2025** |  |
| **Deal Loan Count:** | **121** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *121* |  |  |
| ***Loans with Conditions:*** | *94* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **194 - Total Satisfied Conditions** | **194 - Total Satisfied Conditions** |  |  |
|  |  | 49 - Credit Review Scope | 49 - Credit Review Scope |
|  |  |  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 4 - Category: Assets |
|  |  |  | 3 - Category: Credit/Mtg History |
|  |  |  | 5 - Category: DTI |
|  |  |  | 18 - Category: Income/Employment |
|  |  |  | 4 - Category: Insurance |
|  |  |  | 1 - Category: Legal Documents |
|  |  |  | 1 - Category: Re-Verifications |
|  |  |  | 10 - Category: Terms/Guidelines |
|  |  |  | 1 - Category: Title |
|  |  | 15 - Property Valuations Review Scope | 15 - Property Valuations Review Scope |
|  |  |  | 9 - Category: Appraisal |
|  |  |  | 3 - Category: FEMA |
|  |  |  | 3 - Category: Property |
|  |  | 130 - Compliance Review Scope | 130 - Compliance Review Scope |
|  |  |  | 8 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 7 - Category: Compliance Manual |
|  |  |  | 2 - Category: Documentation |
|  |  |  | 10 - Category: Federal Consumer Protection |
|  |  |  | 2 - Category: Finance Charge Tolerance |
|  |  |  | 4 - Category: RESPA |
|  |  |  | 10 - Category: Right of Rescission |
|  |  |  | 1 - Category: State Consumer Protection |
|  |  |  | 86 - Category: TILA/RESPA Integrated Disclosure |
| **32 - Total Waived Conditions** |  |  |  |
|  |  | 26 - Credit Review Scope | 26 - Credit Review Scope |
|  |  |  | 1 - Category: Assets |
|  |  |  | 2 - Category: Credit/Mtg History |
|  |  |  | 6 - Category: DTI |
|  |  |  | 8 - Category: Income/Employment |
|  |  |  | 1 - Category: Insurance |
|  |  |  | 8 - Category: Terms/Guidelines |
|  |  | 2 - Property Valuations Review Scope | 2 - Property Valuations Review Scope |
|  |  |  | 1 - Category: Appraisal |
|  |  |  | 1 - Category: Property |
|  |  | 4 - Compliance Review Scope | 4 - Compliance Review Scope |
|  |  |  | 3 - Category: Federal Consumer Protection |
|  |  |  | 1 - Category: Right of Rescission |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *121* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** <br>| *94* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **xxx Error Type** | **Cure Method** | **Compensating Factors** |
| 409005798s | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxx days of consummation | No | Second Appraisal fee $XXX on LE XXX and Appraisal fee $XXX on PCD XXX were added without a valid change of circumstance found in file. Zero tolerance cure required for $XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided an LOE from Lender stating: This was the refi of a xxx loan. The appraisal was transferred from the xxx loan so there was no appraisal fee disclosed. A XXX Post CD with a $XXX tolerance cure Credit was also provided. Condition remains. For review, provide the signed/stamped Final ALTA/Settlement Statement, along with a copy of the $XXX refund check, LOE to borrower and proof of delivery that includes tracking information.XXX Client provided the $XXX refund check, LOE and proof of shipment. Condition remains for the signed/stamped Final ALTA/Settlement Statement.XXX Client provided the stamped Final Settlement Statement confirming the $XXX Appraisal Fee was not charged at Funding. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The HCLTV is XXX% and guidelines allow the HCLTV to be XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The lowest middle credit score is XXX and guidelines allow the credit score to be XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Assets: $XXX - $XXX [$XXX x XXX months] - $XXX [$XXX x XXXmonths] XXX = $XXX/$XXX PITIA both properties = XXX additional months reserves.<br>|
| 409005798 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | DTI | Waived | B | B | B | B | CRDDTI106 | Debt Ratio Exception >xxx% and  | No | Max DTI XXX% current DTI XXX% | XXX Client provided an approved exception to allow the file with a DTI of XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The HCLTV is XXX% and guidelines allow the HCLTV to be XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The lowest middle credit score is XXX and guidelines allow the credit score to be XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Assets: $XXX - $XXX [$XXX x XXX months] - $XXX [$XXX x XXXmonths] XXX = $XXX/$XXX PITIA both properties = XXX additional months reserves.<br>|
| 409005799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below lender's guide line maximum of XXX%.<br>|
| 409005800 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has XXX years in profession; B3 has XXX years.<br>|
| 409005800 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI per guidelines XXX% current DTI XXX% | XXX Client provided an approved exception to allow the file with a XXX% DTI | xxx final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has XXX years in profession; B3 has XXX years.<br>|
| 409005801 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan is ARM. Loan amount is XXX.xxx.Does bot meet below guidelines:ARM - xxx (xxx)? Maximum loan amount of $XXX | XXX Client provided an approved exception to allow a loan amount of $XXX on the ARM product | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX FICO exceeds guideline of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is below guideline of XXX<br>|
| 409005802 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with XXX Late Payments < XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>|
| 409005804 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing a copy of executed final CD provided to borrower at closing on XXX | XXX Client provided an Email response from the Seller stating the CD was generated on XXX and the docs were signed on XXX, then a new CD was generated on XXX and signed on XXX. Escrow did not have borrower sign the CD dated XXX. A copy of the missing XXX CD was also provided, which was not in the original file. Re-testing the XXX CD as Final without signatures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Max DTI XXX% current DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has worked for present employer for XXX years<br>|
| 409005804 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI per guidelines XXX% current DTI XXX% | XXX Client provided an approved exception to allow the file with a DTI of XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Max DTI XXX% current DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has worked for present employer for XXX years<br>|
| 409005805 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPxxx3600 | xxx - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD was delivered electronically, however file is missing a prior e-consent. | XXX Client provided the Initial Disclosures Tracking that reflects the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPxxx5111 | xxx - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE was delivered electronically, however file is missing a prior e-consent. | XXX Client provided the Initial Disclosures Tracking that reflects the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Mortgage statement provided in the file for the borrowers' departure residence shows payment amount of $XXX which includes escrows for taxes and insurance. Final xxx shows additional monthly expenses of $XXX in the xxx schedule. File is missing verification of these expenses. | XXX Client provided evidence of HOA monthly expenses of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $XXX is below the minimum required loan amount of $XXX over the current conforming loan limit, or $XXX in this case. | XXX Client provided exception approval for loan amount below minimum required loan amount of $XXX over the current conforming loan limit. | Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3490 | Missing Patriot Act form | No | File is missing the Patriot Act form fully executed by all parties for both borrowers. | XXX Client provided executed patriot act for B1, still missing executed patriot act for B2. Condition remains XXX Client provided B1 patriot act however still missing executed patriot act for B2. Condition remains XXX Client provided exception approval for missing executed patriot act for B2 | Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser did not indicate if the property can be rebuilt if destroyed. | XXX Client provided updated appraisal with appraiser commenting subject rebuilding of structure, if destroyed to its original footprint. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX total reserves required.<br>|
| 409005807 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 409005808 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Revised CD Reason/Explanation document pgXXXstates a change on XXX with reason as Post Closing CD. Post CD missing from file. If applicable, completed CD required for further testing. Additional conditions may apply. | XXX Client provided the XXX Post CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>|
| 409005808 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX xxx xxx, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>|
| 409005808 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Per DV report departing residence in xxx XXX | XXX Client provided evidence foreclosure was on a different unit, and copies of deed to support no foreclosure on departing residence | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>|
| 409005810 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required.<br>|
| 409005811 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide XXX XXX and signed XXX XXX and XXX for XXX. | XXX Client allowed the file using only XXX income | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI for ARM loan is XXX%. Qualifying DTI is XXX% | XXX Client provided an approved exception to allow the file with a XXX% | xxx final grade is B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Provide XXX xxx and signed XXX xxx and XXX for XXX.XXX Client provided XXX xxx for B2, still missing XXX xxx for B1 and fully executed XXX XXX and XXX for XXX | XXX Client provided an approved exception to allow the file without XXX taxes and xxxs; file has XXX income documented | Upon review by XXX xxx, Condition is a Non Material B grade; Low LTV and XXX DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3204 | Income Documentation Missing | No | Missing tax transcripts to support XXX income used for the borrower. | XXX Client provided an approved exception to allow the file without the transcripts | Upon review by XXX xxx, Condition is a Non Material B grade; Low LTV and XXX DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3258 | Missing Profit and Loss statement for one or more xxx borrowers | No | Provide YTD Profit and Loss from XXX | XXX Client provided an approved exception to allow the file without a YTD P&L | Upon review by XXX xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | The file is missing a CDA to support the appraised value with a CU score of XXX | XXX Client provided valuation that supports the original appraisal value | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years on current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have no late payments on the mortgage history<br>|
| 409005813 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX , we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job; XXX years and XXX month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is below guideline requirement of XXX.<br>|
| 409005813 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing subject property's Flood Certification in file to verify flood zone. Pease provide missing document. | XXX Client provided Flood Certification Document, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job; XXX years and XXX month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is below guideline requirement of XXX.<br>|
| 409005814 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3640 | xxx - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Appraisal fee increased from XXX to XXX without a valid reason documented on COC XXX. Lender credit of XXX on final CD was applied towards increased Credit Report fee by XXX and increased HOA Questionnaire by XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund for XXX and proof of delivery via shipping that includes tracking information. | XXX Client provided a XXX Post CD with cure, XXX refund check, LOE and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX below guideline requirements XXX.<br>|
| 409005814 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation ordered by XXX. | XXX Client provided 3rd party CDA valuation supporting appraised value with XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX below guideline requirements XXX.<br>|
| 409005814 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide post disaster inspection report for the following. May be subject to additional conditions upon review:Declaration date XXX; effective date XXX Public Hurricane XXX | XXX Client provided a disaster inspection, no damage, photos attached. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX below guideline requirements XXX.<br>|
| 409005815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | A | C | B | C | B | B | B | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3626 | xxx - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. LE was not received XXX days prior to closing date. | XXX Client provided an LOE from Lender stating the Loan Amount changed based on final payoff numbers - Construction to Perm Loan. Condition remains. Provide the confirmation of receipt for the Last LE issued on XXX for further testing.XXX Client provided the e-signed copy of the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX or XXX months<br>|
| 409005815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | A | C | B | C | B | B | B | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Appraisal fee by $XXX, increased Inspection fee by $XXX and added CDA fee $XXX from final CD XXX to PCD XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.XXX Update: Total Tolerance violation is $XXX from the Baseline amounts. | XXX Client provided an LOE from Lender stating the Loan Amount changed based on final payoff numbers - Construction to Perm Loan. Condition remains. The Appraisal Fee originally increased on the Revised XXX LE without a valid reason listed on the COC. The fee was then reduced below the baseline amount through Consummation, then increased again on the Post CD. Also on the Post CD were increases to the Inspection Fee and a 2nd/Review Appraisal fee was added. Lender to provide explanation for the fee increases/additions post-consummation. Additional conditions may apply, including $XXX refund to borrower.XXX Client provided a duplicate copy of the LOE received on XXX. Condition remains. The Appraisal Fee originally increased on the Revised XXX LE without a valid reason listed on the COC. The fee was then reduced below the baseline amount through Consummation, then increased again on the Post CD. Also on the Post CD were increases to the Inspection Fee and a XXX/Review Appraisal fee was added. Lender to provide explanation for the fee increases/additions post-consummation. Additional conditions may apply, including $XXX refund to borrower.XXX Client provided a XXX Post CD with cure, $XXX refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.XXX Client provided an approved exception for the missing proof of shipment.XXX Re-tracking confirms shipment of the tolerance refund. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX or XXX months<br>|
| 409005815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | A | C | B | C | B | B | B | C | A | C | B | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI XXX%, max DTI ARM loan XXX% | XXX Client provided an approved exception to allow the file with a DTI of XXX% | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX or XXX months<br>|
| 409005815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | A | C | B | C | B | B | B | C | A | C | B | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Appraisal indicates Vacant | XXX Client provided an Email; upon review the property is undergoing renovations; occupancy is supported by file docs | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX or XXX months<br>|
| 409005816 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Borrower's median credit score of XXX is XXX points below required score of XXX for ARM loans. There is an approved exception however guidelines state no exceptions are allowed for ARM loans. | XXX Client provided an approved exception to allow the file with a XXX score and required min is XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower resides at current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower is President for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The LTV of XXX% is XXX% < maximum LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close assets of $XXX. XXX months PITI reserves are required for the subject property $XXX x XXX = $XXX, XXX months PITI reserves for Self-Employed $XXX x XXX = $XXX and XXX months PITI reserves for other properties $XXX x XXX = $XXX.<br>|
| 409009583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | B | A | B | A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Condition triggered due to missing ROR form in file. | XXX Client provided ROR form for Borrower. Condition remains. Provide missing ROR form for the Non-Borrower for complete testing. XXX Client provided the missing ROR for the Non-Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; using qual rate $XXX\*12= $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. XXXxXXX mortgage payment history; XXXxXXXxXXX equired.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409009583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The file does not contain the Right of Rescission Disclosure. Provide a copy of fully executed ROR form by all title holders. | XXX Client provided ROR form for Borrower. Condition remains. Provide missing ROR form for the Non-Borrower for complete testing. XXX Client provided the missing ROR for the Non-Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; using qual rate $XXX\*12= $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. XXXxXXX mortgage payment history; XXXxXXXxXXX equired.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409011896 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Unable to calculate DTI due to file missing YTD paystubs, xxxs and/or WVOE to validate income. | XXX Client provided Income Worksheet along with YTD XXX paystub, XXX xxx's and Written VOE covering YTD XXX and prior XXX xxx info. Income used for qualifying is supported. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409011896 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing YTD paystubs, xxxs and/or WVOE to validate income. | XXX Client provided Income Worksheet along with YTD XXX paystub, XXX/XXX/XXXxxx's and Written VOE covering YTD XXX and prior XXX/XXX xxx info. Income used for qualifying is supported. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409011986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | ARM Disclosure is dated XXX and application date is XXX which is more than XXX days. | XXX Client provided an attestation from Lender stating the loan was initially locked under a different loan program prior to being updated to the current program. Included LE was disclosed on XXX. Loan was later updated to current program in which related disclosures were sent out on XXX post relock and/or program update. A XXX Fee Worksheet was also provided. Condition remains. There is no LE package in file issued on XXX. Provide the missing XXX disclosures for further testing.XXX Client provided the XXX Initial Disclosures which indicates the program was originally an All In One XXX. Borrower requested a program change XXX (Conventional ARM) which is when the ARM Disclosure was provided. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has XXXxXXX on previous mortgages<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409011986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in xxx of application | No | RESPA - List of homeowners counseling organizations is dated XXX and application date is XXX; not provided within XXX days of applicaiton. | XXX Client provided an attestation from Lender stating the loan was initially locked under a different loan program prior to being updated to the current program. Included LE was disclosed on XXX. Loan was later updated to current program in which related disclosures were sent out on XXX post relock and/or program update. A XXX Fee Worksheet was also provided. Condition remains. There is no LE package in file issued on XXX. Provide the missing XXX disclosures for further testing.XXX Client provided the XXX HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has XXXxXXX on previous mortgages<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409011986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3552 | xxx - Loan Estimate not timely | No | LE not timely as Initial Loan Estimate is dated XXX and application date is XXX. | XXX Client provided an attestation from Lender stating the loan was initially locked under a different loan program prior to being updated to the current program. Included LE was disclosed on XXX. Loan was later updated to current program in which related disclosures were sent out on XXX post relock and/or program update. A XXX Fee Worksheet was also provided. Condition remains. There is no LE package in file issued on XXX. Provide the missing XXX disclosures for further testing.XXX Client provided the XXX Initial Disclosures which indicates the program was originally an All In One xxx. Borrower requested a program change XXX (Conventional ARM) which is when the LE was provided. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has XXXxXXX on previous mortgages<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409011986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet tradeline requirement. Borrower has mortgage history from XXX-XXX but the 2 open accounts are Authorized User | XXX Client provided exception approval for Borrower not meeting tradeline requirement | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has XXXxXXX on previous mortgages<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409011986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Mortgage Notary Acknowledgement date is future-dated to XXX. | XXX Client provided corrected subject Mortgage with correct notary acknowledgment date of XXX vs XXX and provided evidence of being sent for re-recording | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has XXXxXXX on previous mortgages<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409011990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Right of Rescission | Satisfied | B | A | B | A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period since ROR is missing | XXX Client provided missing ROR H9 forms signed by both on XXX executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXxXXX on current and previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>|
| 409011990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Right of Rescission | Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing a copy of fully executed ROR form by all title holders. | XXX Client provided missing ROR H9 forms signed by both on XXX executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXxXXX on current and previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>|
| 409011990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE for B2 dated within 10 xxx days prior to Note date | XXX Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXxXXX on current and previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>|
| 409011990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Provide YTD Paystub for B1Provide XXX xxx for B1. | XXX Client provided an approved exception to allow the file with WVOE income for B1 | Upon review by XXX SR Underwriter, the exception is deemed Non Material; credit scores exceeds GLS, positive mortgage history | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXxXXX on current and previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>|
| 409011995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP3254 | TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner | No | ARM Disclosure found in file not signed nor dated. | XXX Client provided the Initial Disclosures, including the ARM Disclosure, and the Tracking confirming the XXX delivery date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX required reserves.<br>|
| 409011995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page xxx of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX required reserves.<br>|
| 409011995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing signatures on XXX xxx. | XXX Nothing found for this condition, please re sendXXX Client provided Borrowers background information from website; Condition Missing signatures on XXX XXX. for Missing signatures on XXX XXX. XXX Client provided signed dated XXX XXX XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX required reserves.<br>|
| 409011995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of all borrowers' xxx existences (including secondary income source) through axxx source no more than XXX calendar days prior to note date XXX; guides state borrower's website is not acceptable xxx source. | XXX Client provided an Email that "Borrower is a schedule C xxx works as a xxx and the xxx is a a xxx of a xxx"; Upon review the website does not meet the GL requirements of a xxx, condition remains XXX Client provided unsigned XXX Letter dated XXX verifying currently working on borrowers both xxxes income documents for XXX and file having end of year XXX XXX (pg XXX) along with online xxx website profile (pg XXX) for B2 Schedule C and B1 file having end of year XXX P/L and YTD XXX XXX(pg XXX, XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX required reserves.<br>|
| 409011995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing both borrowers' income calculations from their primary income source on XXX XXX (or equivalent), required for xxx analysis. | XXX Client provided the XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX required reserves.<br>|
| 409012368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | A | A | D | B | D | B | C | B | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject property rights are in leasehold. File is missing lease or project documents verifying that the lender receives notice of any lessee default under the lease not more than XXX days after such default, and at least XXX days' prior notice of termination of the ground lease. | XXX Client provided exception approval for file missing lease or project documents verifying that the lender receives notice of any lessee default under the lease not more than XXX days after such default, and at least XXX days prior notice of termination of ground lease. | Upon review by xxx, exception deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX, Low DTI and Low LTV. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409012368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | A | A | D | B | D | B | C | B | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Subject property rights are in xxx. File is missing evidence of ALTA Endorsement XXX to title. | XXX Client provided the Title commitment but still missing the Alta endorsement xxx to title XXX Client provided duplicate, previously provided Short Form Title however prior condition requested for missing Alta endorsement xxx to title. XXX Client provided complete title with endorsement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409012368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | A | A | D | B | D | B | C | B | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Subject property rights are in leasehold. The following revisions/corrections to the appraisal will be required:1) Appraiser to correct property rights from fee simple to leasehold.2) Appraiser must develop a thorough, clear, and detailed narrative that identifies the terms, restrictions, and conditions regarding lease agreements or ground leases and include this information as an addendum to the appraisal report.3) Appraiser must discuss what effect, if any, the terms, restrictions, and conditions of the lease agreement or ground lease have on the value and marketability of the subject property. | XXX Client provided an updated appraisal dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409012368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | B | A | A | D | B | D | B | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Subject property rights are in leasehold. Lease expires on XXX and loan maturity date is XXX which is less than XXX years. XXX guidelines require the lease to have an unexpired term that exceeds the maturity date of the loan by five (XXX) years or more. File contains an approved exception request for "unique property, oil/gas lease outside guidelines". Insufficient remaining term for lease is not indicated on the exception request form. | XXX Client provided exception approval for Lease expires on XXX and loan maturity date XXX which is less than XXX years. XXX require the lease to have an unexpired terms that exceeds the maturity date of the loan by five (XXX) years or more. | Upon review by xxx, exception deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX, Low DTI and Low LTV | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409012374 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide documentation that Tax Lien in the amount of $XXX from State of XXX for B1 has been paid in full. Located on 3rd party Fraud Report. | XXX Client provided letter they are not aware of any tax debt to XXX, on review no evidence found to connect the bwr | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 409012374 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 409012374 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that Tax Lien in the amount of $XXX from xxx of XXX for B1 has been paid in full. Located on xxx Report. | XXX Client provided LOX unaware of any State of XXX taxes owed; condition remainsXXX Client provided an LOX from Borrower and asked for a review, Upon review there is no evidence to tie the XXX tax lien to the Borrower other than name, xxx LOX states lived in XXX 1 year un XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 409012399 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxx days of consummation | No | Income Tax Verification Service Fee for $XXX added on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided a XXX PCCD with cure, LOE, $XXX refund check, Tracking and the Final ALTA. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX= $ XXX+ XXX Months for Additional xxx or $ XXX X XXX= $ XXX<br>|
| 409012524 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3258 | Missing Profit and Loss statement for one or more xxx borrowers | No | Missing P&L for 1st quarter of XXX for XXX | XXX Client provided an approved exception to allow the file without the P&L | Upon review by XXX xxx, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>|
| 409013056 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed XXX, expiration date XXX. Final CD disbursement date is XXX. Disbursement date is before end of statutory rescission period. Condition is pending receiving new NORTCs to all entitled to rescind to re-open rescission with dates allowing for method of delivery with PCD, LOE to borrower and proof of shipping with tracking. | XXX Client provided an LOE to the title holders, new ROR's with Tracking/Delivery on XXX with Expiration midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months qualifying rate<br>|
| 409013056 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5097 | xxx - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | CD: XXX, Section: Loan Disclosures, Field: Escrow Waiver Fee Amount is $XXX; but no Escrow waiver fee was charge to borrower in section A. Loan Cost. Condition is pending LOX with corrected PCD to borrower. | XXX Client provided a screen shot of the Pricing Adjustments confirming the fee was included as a .XXX price adjustment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months qualifying rate<br>|
| 409013062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3552 | xxx - Loan Estimate not timely | No | Lender's App Date is XXX; the only LE in file is dated XXX. Missing initial LE disclosed to borrower within XXX days of the application. | XXX Client provided the missing Initial LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXX months xxx on previous mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 409013070 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. xxx mortgage payment history; xxxx24 required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate; $XXX\*XXX+ xxx $XXX\*XXX= $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409013146 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired: xxx XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013157 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:xxx: XXX months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013279 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx xxx are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>|
| 409013279 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER2850 | ARM terms do not meet guidelines | No | ARM terms do not meet guidelines Arm Guidelines: Margin: XXX Floor: XXXSubject Loan:XXX for each of above | XXX Client provided exception approval for ARM terms not meeting guidelines requirement Margin and Floor XXX per loan documents, per guidelines require XXX for Both (Margin and Floor) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>|
| 409013290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in the amount of $XXX as xxx Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided a duplicate copy of the XXX COC when the xxx Fee was added. Condition remains. The xxx Fee increased on the XXX LE without a valid explanation on the XXX COC. Provide the change documentation to validate the increased charge, OR provide borrower with a $XXX refund, PCCD with tolerance cure, LOE and proof of delivery.XXX Client provided a XXX PCCD with cure, LOE, $XXX refund check and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Per xxx and VOEs, Borrower's position is 'XXX'. Provide sufficient documentation, ie: updated VOE etc., stating percentage of xxx owned if any. May be subject to additional conditions upon review. | XXX Client provided a xxx showing less than XXX% ownership | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | Per DU:'A valid XXX ARM plan has not been provided to DU. For any adjustable-rate mortgage loan delivered to XXX,the loan must be closed and delivered with an eligible XXX ARM plan. (XXX)'Please provide updated findings. May be subject to additional conditions upon review. | XXX Per XXX Item# XXX for ineligibility is a "Valid XXX ARM has not been provided"; please resubmit xxx and provide an approval that is only ineligible due only to loan amount XXX LoanXXX Client provided a corrected XXX showing the ARM exclusion removed | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx days from application | No | ARM Disclosure in file is dated XXX which is more than XXX days from the date the loan converted to ARM XXX. | XXX Client provided a XXX ARM Disclosure and the following Seller response: The ARM disclosure didnt go out until the loan was locked under the ARM program as the borrower was undecided on XXX YR vs ARM until lock. Condition remains. The ARM Disclosure is required to be disclosed to the Borrower within XXX days of the program change to ARM (the LE changed to ARM is dated XXX).XXX Client provided an approved exception for the ARM Disclosure timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | Right of Rescission | Satisfied | B | A | B | A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR signed XXX, expiration date XXX. Borrower was not given full XXX days of recission. Condition is pending re-opening ROR to all title holders, LOX and proof of delivery with tracking information. | XXX Client provided the missing ROR for the Non-Borrowing title holder. Non-Borrower signed XXX with Expiration XXX. Primary Borrower signed their ROR XXX with Expiration XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Recission form for Non-Borrowing xxx. Provide executed ROR form for all titleholders. | XXX Client provided the missing ROR for the Non-Borrowing title holder. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD last signature date is XXX. Notary for non-borrowing xxx is dated XXX. Final CD disbursement date of XXX. Disbursement date is before end of statutory rescission period. Final ALTA in file confirming later Disbursement Date of XXX; however, final CD was not updated. Condition is pending receiving corrected PCD with LOX and proof of delivery to borrower. | XXX Client provided the missing ROR for the Non-Borrowing title holder, signed XXX with Expiration XXX. Condition remains. Provide the corrected PCCD (Funding CD) with LOE for further testing.XXX Client provided the corrected XXX PCCD and LOE to borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3640 | xxx - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | XXX tolerance in the amount of $XXX as Appraisal Recertification and xxx fees were added to LE XXX without a COC in file. Final CD disclosed a Lender Credit in the amount of $XXX; however, an additional $XXXis required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided an LOE to borrower, XXX COC and XXX PCCD increasing the tolerance credit by $XXX. Condition remains. Provide the missing $XXXrefund check and proof of delivery that includes tracking information (The Final Refinance Statement in file only reflects the $XXXLender Credit).XXX Client provided the $XXX refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3966 | xxx - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD XXX: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected. Condition is pending LOX with corrected PCD to borrower. | XXX Client provided a corrected XXX PCCD with LOE to borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | ARM Guidelines:Margin: XXXFloor: XXXLoan Terms:Margin: XXXFloor: XXX | XXX Client provided an approved exception to allow the file with an ARM margin of XXX | Upon review by XXX xxx, Condition is a Non Material B grade; good reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013315 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Refi Cash out > XXX requires XXX appraisals.Provide second full appraisal meeting below guidelines. Subject to LTV recalc and may be subject to additional conditions upon review. 'When two (2) appraisals are required, the following applies:.Appraisals must be completed by two (2) independent companies..The LTV will be determined by the lower of the two (2) appraised values if the lowerappraisal supports the value conclusion..Both appraisal reports must be reviewed and address any inconsistencies betweenthe two (2) reports and all discrepancies must be reconciled..If the two (2) appraisals are done subject to and XXX are required, it isallowable to provide one (1) XXX. If only one (1) xxx is provided, it should befor the appraisal that the value of the transaction is being based upon' | 5/9 client provided an approved exception to allow the file without the second appraisal | Upon review by xxx xxx, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409013339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per eSign Process Summary, a Loan Estimate was issued on XXX which is missing from the file. Provide LE XXX and Change of Circumstance form. | XXX Client provided the XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>|
| 409013339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post Close Assets are $ XXX or XXX months of PITIA qualifying rateGuidelines require XXX months. Provide additional reserves | XXX Client provided Lender asset worksheet and appears different in assets is balance w/XXX, xxx XXX statement dated XXX have balance of $XXX (which is being used by DD Firm) however worksheet is using balance of $XXX; condition remains to provide 401k statement with balance of $XXX that is being used by Lender. Upon further review it appears a snapshot of 401k account balance was provided that show amount available of $XXX however is not dated and no identiy of being the borrowers. Please provide evidence this is dated after statements in file and identity of borrowers. XXX Client provided exception approval for slightly short XXX months reserves, currently verified reserves are XXX months vs XXX months | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: credit score XXX (require XXX) and over XXX years at current residence. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>|
| 409013339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | Missing xxx as required by Guidelines XXX xxx xxx ARM | XXX Client provided updated lock confirmation switching program to XXX xxx ARM vs xxx ARM | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>|
| 409013414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | Missing ARM Disclosure issued within XXX days of date loan transitioned from Fixed to ARM. | XXX Client provided a missing XXX LE and COC package with the Lock to ARM and applicable ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409013414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR dated XXX and signed XXX with an expiration date of XXX. Borrower was not given full XXX days of rescission. Condition is pending re-opening ROR to all title holders, LOX and proof of delivery with tracking information. | XXX Client provided the Final Settlement Statement and XXX PCCD with Disbursement on XXX. Condition remains. The signed ROR's were received at Closing on XXX, however the ROR Expiration Date reflects XXX (same day). The title holders were not given the required XXX day rescission period.XXX Client provided an Email LOE to borrower and corrected ROR e-signed XXX with new Expiration at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409013414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed XXX, expiration date XXX. Final CD disbursement date of XXX. Disbursement date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOX and proof of delivery to borrower. | XXX Client provided the Final Settlement Statement and corrected XXX PCCD reflecting Disbursement on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409013414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxx days of consummation | No | XXX tolerance in the amount of $XXX as Discount Points increased without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provide a missing XXX LE and COC package validating the Lock/Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409013438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | 3. A valid XXX ARM plan has not been provided to DU. For any adjustable-rate mortgage loan delivered to Fannie Mae,the loan must be closed and delivered with an eligible XXX ARM plan. (XXX) | XXX Client provided xxx XXX; Condition remains for DUAE with Risk/Eligibility Item #xxx Cleared/ removedXXX Client provided updated xxx with item xxx removed | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject (2nd home), and primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable | No | Appraisal reflects xxx bathrooms for subject; photos provided are for xxx bathrooms.Appraiser to provide updated report with missing xxx bathroom photo(s). | XXX Client provided updated appraisal with appraiser commenting added Primary bathroom along with photo of Primary bathroom | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject (2nd home), and primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409014285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance Charge understated $XXX on the Final XXX-2 CD (at Consummation) and $XXX on the Post XXX CD (at Funding). Per the xxx, the Lender is excluding the xxx Notary Fee from their APR testing. | XXX Client provided a rebuttal from the Lender stating Notary fees are not included in the APR calculation. Condition remains. The Client includes xxx fees in the Finance Charge testing. XXX Client provided a XXX PCCD with cure, LOE to borrower, $XXX refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI qualifying rate. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>|
| 409014285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/xxx-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance Charge understated $XXX on the Final XXX-2 CD (at Consummation) and $XXX on the Post XXX CD (at Funding). The Amount Financed is overstated by the same amounts. Per the xxx, the Lender is excluding the xxx Fee from their APR testing. | XXX Client provided a rebuttal from the Lender stating Notary fees are not included in the APR calculation. Condition remains. The Client includes xxx fees in the Finance Charge testing. XXX Client provided a XXX PCCD with cure, LOE to borrower, $XXX refund check and proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI qualifying rate. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | The file contains only the Early ARM Disclosure dated XXX, loan type was 10/6 ARM on application date XXX. Tracking documentation reflects the ARM disclosure was provided to the Borrower XXX. | XXX Client provided the Initial XXXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4027 | xxx - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4048 | xxx - CD: The Margin on the AIR Table of the Final Closing Disclosure does not match the Margin on the Note | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4049 | xxx - CD: The "Initial Interest Rate" on the AIR Table of the Final Closing Disclosure does not match the Note Rate | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4050 | xxx - CD: The Minimum Interest on the AIR Table of the Final Closing Disclosure does not match the Minimum Interest Rate on the Note | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4051 | xxx - CD: The Maximum Interest Rate on the AIR Table of the Final Closing Disclosure does not match the Maximum Interest Rate on the Note | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx4993 | xxx CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment xxx that calculates. | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5023 | xxx - CD: The Minimum Payment disclosed in at least one column of the Final Closing Disclosure does not match the Minimum Payment that xxx calculates based upon the Note Terms | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5031 | xxx - CD: The Maximum Payment disclosed in at least one column of the Final Closing Disclosure does not match the Maximum Payment that xxx calculates. | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5033 | xxx - CD: The Total Minimum Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Minimum Payment that xxx calculates. | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5035 | xxx - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that xxx calculates. | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5045 | xxx - CD: The Total Maximum Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Maximum Payment xxx that calculates. | No | File is missing final CD acknowledged by borrower at closing on XXX. Revised CD XXX was used for testing. Pending receiving final CD and, if applicable, any post CD for further testing. Additional conditions may apply | XXX Client provided the missing Final CD signed at Closing on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Insufficient assets verified in the file to meet the closing cost requirement. Total assets verified were $XXX with cash required to close of $XXX leaving $XXX short funds to close. File is missing an updated account statement/printout verifying deposits of $XXX on XXX and $XXX on XXX into XXX #\*XXX: XXXhas cleared and is available for withdrawal. | XXX Client provided a XXX printout for #XXX showing the checks cleared with a balance of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX leaving $XXX short funds to close. File is missing an updated account statement/printout verifying deposits of $XXX on XXX and $XXX on XXX into XXX #\*XXX: 71 has cleared and is available for withdrawal. | XXX Client provided a XXX printout for #XXX showing the checks cleared with a balance of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Schedule E for XXX tax returns show XXX additional properties owned located at XXX and XXX. It does not appear any payments for these properties were included in the debts. File is missing documentation verifying these properties have been sold. If they have not been sold, then verification of the PITI(A) payments will be required verifying rental income is sufficient to offset the payments, or if the payments are made by the xxx, then XXX months cancelled checks may be provided. | XXX Client provided evidence with property detail report supporting: XXX. condition remains, did not receive any documentation regarding property: XXX. Condition remains for evidence do not have ownership in XXXXXX Client provided property detail report, etc for address XXX(in legal description) however initial condition is regarding unit #XXX; condition remains for unit #XXX evidence no ownership. XXX Client indicated an additonal search yielded no listings for unit XXX; Condition remains XXX Client provided LOX regarding not able to locate the actual unit # in question XXX. Response however is reflected on Borrower Schedule E (XXX) and reflect no mortgage interest, appears to have been free and clear of liens and would have no issue with DTI if included (taxes, XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing XXX XXX tax transcripts. | XXX Client provided copy of XXX XXX Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the XXX XXX, or XXX Form XXX or equivalent for borrower's XXX employment income analysis. | XXX Client provided the XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed with current xxx since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409014962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a revised CD XXX and CD XXX were issued and sent to borrower via XXX but both disclosures are missing in file. | 07/28/25 Client provided a signed LOE from Lender stating these CDs are excluded from the timeline becxxxe these are the CDs that went to the attorney in the closing package. Tracking Summary confirms they are excluded from the Timeline. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>|
| 409014962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>|
| 409014962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide xxx executed XXX for both Borrowers | XXX Client provided executed xxx for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>|
| 409014962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide Borrower executed LOE for credit inquiries on XXX xxx. May be subject to additional conditions upon review. | XXX Client provided borrower LOX regarding inquiries, car shopping and states new auto is reflected on credit report w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>|
| 409014975 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3640 | xxx - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | XXX tolerance in amount of $XXX due to increase in Investor Appraisal Desk Review fee on LE XXX with no valid reasons documented on COC XXX (loan was locked with Investor on XXX). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided a XXX PCCD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: B2 - XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.<br>|
| 409014981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page XXX of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median XXX >XXX points above guideline program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>|
| 409014981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that County Tax Liens have been paid. Case #XXX or $XXX and #XXX for $XXX. | XXX Client provided XXX Lender Drive report; showing the County tax liens appearing on DD DRIVE report have been cleared | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median XXX >XXX points above guideline program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>|
| 409014986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at current job.<br>|
| 409014988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate xxx Disclosure missing | No | The file does not contain a copy of the Affiliate xxx Disclosure or the Facts Disclosure. | XXX Client provided a signed LOE from Lender stating they do not have any affiliated xxx arrangements used on any mortgage transactions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $XXX+ XXX additional months for XXX ($ XXX X XXX = $XXX)+ XXX Months for Additional xxx or $XXX X 3 = $XXX<br>|
| 409014988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $XXX+ XXX additional months for XXX ($ XXX X XXX = $XXX)+ XXX Months for Additional xxx or $XXX X 3 = $XXX<br>|
| 409015057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>|
| 409015060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409015067 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | No evidence in file of ARM Loan Program Disclosure present. | XXX Client provided a duplicate copy of the Disclosures Notice in file. Condition remains. The ARM Disclosure is missing. Per the Initial Disclosures package Tracking, the XXX XXX ARM Disclosure was sent on XXX Provide a copy of this ARM Disclosure.XXX Client provided the missing ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation. | XXX Client provided copy of xxx xxx and xxx (XXX% owner) of xxx XXX income used for qualifying is supported however XXX employment started XXX and income used for qualifying is xxx xxx (less than XXX years of XXX employment reflected on most recent tax returns, separate condition is being added on file for less than XXX years self employment and file have YTD XXX P/L and file have xxx 1040 Transcripts and signed dated xxx returns | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing evidence in file of initial CD XXX being issued and received by non-borrowing spouse min XXX days prior to closing. If disclosure was emailed, a prior e-consent is also required. | XXX Client provided XXX copies of the Initial XXX CD and the Tracking confirming delivery to both parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | ARM Loan Program Disclosure in file is dated XXX Loan converted from Fixed Terms to ARM Terms on CD XXX. Missing ARM disclosure issued with CD XXX | 08/21/25 Client provided another copy of the XXX ARM disclosure. Condition remains. The loan converted to ARM on CD XXX. Provide the ARM Disclosure dated XXX.08/28/25 Client provided the XXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | No evidence in file of the List of homeowners counseling organizations present. | 08/21/25 Client provided the missing HC list. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate xxx Disclosure missing | No | Required Affiliate xxx Disclosure/ FACTS missing in file. | 08/21/25 Client provided an LOE from the AVP of Closing stating they do not have any ABA arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form | 08/11/25 Client provided an approved exception for using incorrect ROR form. | 08/11/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing complete 2023/2024 xxx/K1s for borrower's xxx XXX. | 8.22.2025 Client provided copy of xxx xxx and XXX (XXX% owner) of xxx XXX income used for qualifying is same calculated however XXX employment started XXX and income used for qualifying is xxx xxx (less than XXX years of XXX employment reflected on most recent tax returns). 8/28 Client asked for a review; upon review income is averaged over XXX years and XXX is sufficiently validated per GLs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing complete 2023/2024 xxx/K1s for borrower's xxx XXX | 8.22.2025 Client provided copy of xxx xxx and xxx (XXX% owner) of xxx XXX. income used for qualifying is supported however XXX employment started XXX and income used for qualifying is xxx xxx (less than XXX years of XXX employment reflected on most recent tax returns, separate condition is being added on file for less than XXX years XXX employment and file have xxx and Transcripts and sign dated xxx along with YTD XXX P/L | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance Policy dated XXX reflect dwelling coverage of $XXX+ $XXX(other structures) =$XXX; however, loan amount is $XXX which is insufficient coverage. | 8.22.2025 Client provided HOI estimated replacement cost worksheet, HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Re-Verifications | Satisfied | C | A | C | A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No | Missing new debt documentation to confirm payment/balance for XXX reported XXX per correspondence by Lender in the file. | 8.22.2025 Client provided monthly statement for XXX verifying monthly payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-Months PITI reserves exceed guideline.<br>|
| 409015116 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Disclosure in file is unreadable. | XXX Client provided a legible copy of the initial ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>|
| 409015151 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on CD XXX. Loan was locked with the investor on XXX, fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/01/2025 Client provided a PCCD XXX with cure, copy of cure check, LOE and In Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified XXX months post close reserves for all properties owned.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline requirement of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have XXX, and XXX years in current professions.<br>|
| 409015153 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | ARM Disclosure in file is dated XXX which is more than three days from XXX when the loan changed from Fixed to ARM. | XXX Client provided an approved exception for the ARM disclosure timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%.<br>|
| 409015153 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%.<br>|
| 409015155 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using qual rate; XXX% max.<br>|
| 409015174 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409015182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but the Fees are not Listed on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 409015182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3676 | xxx - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX tolerance in amount of $XXX due to increase in Recording fee from $XXX initially disclosed on LE XXX to $XXX on final CD XXX with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | XXX Client provided a XXX PCCD with $XXX principal reduction, LOE/COC to borrower and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 409015190 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI amended effective date XXX is after disbursement date XXX. | XXX with updated HOI policy with effective date XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409015191 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Fees of XXX% exceed guidelines of XXX. Missing xxx or CompliancEase. | XXX Client provided the missing xxx reflecting the Undiscounted Rate. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline requirement of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI based on Qual Rate exceed guideline requirement of XXX months.<br>|
| 409015191 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per COC in file, a Loan Estimate was issued on XXX which is missing from file. | XXX Client provided the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline requirement of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI based on Qual Rate exceed guideline requirement of XXX months.<br>|
| 409015191 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline requirement of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI based on Qual Rate exceed guideline requirement of XXX months.<br>|
| 409015191 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3626 | xxx - CD: Loan consummated before end of waiting period | No | XXX Client provided the missing, Last LE issued on XXX. Re-testing results in a consummation timing violation. For further testing, provide the confirmation of receipt for the Last XXX LE. | XXX Client provided the XXX Tracking confirming receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline requirement of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI based on Qual Rate exceed guideline requirement of XXX months.<br>|
| 409015191 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Fees of XXX% exceed guidelines of XXX. Missing xxx or Compliance Ease. | XXX Client provided Lender xxx w/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline requirement of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves XXX months PITI based on Qual Rate exceed guideline requirement of XXX months.<br>|
| 409015196 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's ALTA Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX= $ XXX<br>|
| 409015196 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPxxx5111 | xxx - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs were e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | XXX Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX= $ XXX<br>|
| 409015200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | ARM Loan Program Disclosure in file is dated XXX. Missing initial disclosure provided to borrowers within XXX days from application. | XXX Client provided the Initial XXXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>|
| 409015206 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409015217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement (Max XXX%)<br>|
| 409015217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3490 | Missing Patriot Act form | No | Missing executed Patriot Act | 7.25.2025 Client provided duplicate (in file) ID however missing executed Patriot Act. Condition remains 8.12.2025 Client provided exception approval for missing executed Patriot Act with file having copy of ID | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement (Max XXX%)<br>|
| 409015219 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Mortgage in file has not been signed or notarized. Provide fully executed document. | XXX Client provided fully executed, all pages of Mortgage executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015219 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Mortgage in file has not been signed or notarized. Provide fully executed document. | XXX Client provided fully executed, all pages of Mortgage executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015219 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3626 | xxx - CD: Loan consummated before end of waiting period | No | Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | XXX Client provided an Audit trail reflecting Borrower reviewed the docs XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015219 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3966 | xxx - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD XXX: Neither You declined it and/or Your lender does not offer one are selected in the Will Not Have an Escrow Account on the CD Other Disclosures section. Condition is pending LOX with corrected PCD to borrower. | XXX Client provided PCCD XXX with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015418 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party VOE for B1 | XXX Client provided 3rd party VVOE for B1 dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015418 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more xxx borrowers | No | Missing YTD Profit and Loss | XXX Client provided the YTD P&L supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015430 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section B are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX .<br>|
| 409015430 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing income documentation used to qualify as per xxx XXX VOE Ref ID#XXX for XXX per DU validation of the borrower's base income of $XXX and bonus income of $XXX. | XXX Client provided a WVOE; income and commission updated DTI XXX (XXX) QRate | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX .<br>|
| 409015446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP115 | XXXX CSPA; Closing Disclosure not provided at closing | No | The XXXX CSPA Disclosure was received and signed by the Borrowers on XXX ; however, the Mortgage Notary date is XXX . All Closing documents were signed on XXX . | XXX Client provided the recorded mortgage showing the notary corrected/acknowledged their signature date to XXX prior to recording. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%.<br>|
| 409015446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%.<br>|
| 409015466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409015499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | Missing xxx as required by XXX xxx xxx ARM Guidelines | XXX Client provided DU xxx Approve/Ineligible dated XXX submission #2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated Valuation to support Appraised Value of $XXX | XXX Client provided duplicate (in file) appraisal however initial condition is regarding missing 3rd party valuation supporting value. Condition remains XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx5097 | xxx - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | Escrow Waiver Fee of $XXX disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged. Condition is pending LOX with corrected PCD to borrower. | XXX Client provided a screenshot of the Pricing Adjustments showing the cost of the XXX Escrow Waiver was included in the pricing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 409015525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Appraisal fee on final CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/23/25 Client provided a XXX PCCD with $200 principal reduction, LOE/COC and payment history reflecting the XXX deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned her primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | File is missing evidence of sufficient liquid assets to pay the XXX balance due of $XXX reported on credit. Total liquid assets verified were $XXX less cash required to close of $XXX leaving $XXX liquid assets available. | 7/23 Client provided additional liquid assets | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned her primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409015543 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX= $XXX+ 3 Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015563 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline max of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds program required score of XXX.<br>|
| 409015575 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after xxx from application | No | ARM Disclosure in file is dated XXX; application date XXX | XXX Client provided the 6/10 ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. xxx mortgage payment history; xxxx24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX reserves required.<br>|
| 409015575 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation for the rsu income used to qualify, based on the XXX calculation requirement. | XXX Client provided the income WS calculation | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. xxx mortgage payment history; xxxx24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxxs $XXX\*XXX= $XXX reserves required.<br>|
| 409015582 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | LP Findings in file, page XXX and XXX combined file, reflect :Arm Qualifying Rate: XXX%Arm Qualifying PITI: XXX Provide updated Findings reflecting below:Arm Qualifying Rate: XXX%Arm Qualifying PITI: XXX May be subject to additional conditions upon review. | XXX Client provided updated LP Findings submission #7 with change of ARM Qualifying rate of XXX% and ARM Qualifying PITI $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX Exceeds requirement; no additional xxxs.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409015596 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409015647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections A, C, & H are not disclosed on Final CD XXXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | B1 & B2 missing Verbal verification of employment | 8.7.2025 Client provided VVOE dated XXX for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409015716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing documentation to verify the lower of the Amazon current stock price of the XXX-week average for the most recent XXX(XXX) months reporting at time of application. The income used for qualifying must be supported by future vesting based on the stock price using for qualifying and vesting schedule. 2. Missing RSU agreement for both B1/B2 to support the earnings will be awarded on a consistent basis and must be similar to the qualifying income. | 7/25 Client provided calculation WS and supporting XXX day moving avg used to qualify; still missing Missing RSU agreement for both B1/B2 to support the earnings will be awarded on a consistent basis and must be similar to the qualifying income. 7/31 Client provided the vesting schedule with sufficient continuance validated | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds requirement of $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX% below program maximum XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. x030.<br>|
| 409015716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds requirement of $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX% below program maximum XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. x030.<br>|
| 409015716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Verification fee on final CD XXX with no valid reasons documented on COC XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/24/25 Client provided a XXX PCCD with a $XXX principal reduction, LOE/COC and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds requirement of $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX% below program maximum XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. x030.<br>|
| 409015716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 1. Missing documentation to verify the lower of the Amazon current stock price of the XXX-week average for the most recent XXX(XXX) months reporting at time of application. The income used for qualifying must be supported by future vesting based on the stock price using for qualifying and vesting schedule. 2. Missing RSU agreement for both B1/B2 to support the earnings will be awarded on a consistent basis and must be similar to the qualifying income. | 7/25 Client provided calculation WS and supporting XXX day moving avg used to qualify; still missing Missing RSU agreement for both B1/B2 to support the earnings will be awarded on a consistent basis and must be similar to the qualifying income. 7/31 Client provided the vesting schedule with sufficient continuance validated | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds requirement of $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX% below program maximum XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. x030.<br>|
| 409015716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. Appraised value of $XXX is not supported by CU score of 2.6. | 7/25 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds requirement of $XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI XXX% below program maximum XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. x030.<br>|
| 409015717 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX ; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX pr XXX months<br>|
| 409015717 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing xxx or xxx errors present | No | Missing xxx | 7/9 Client changed the lock to XXX xxx ARM; xxx not required | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX pr XXX months<br>|
| 409015727 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409015750 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI (Qual Rate). XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 409015918 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing a VOE for B2 within XXX xxx days of Note. | XXX Client provided a XXX VOE for B1; condition remains for VVOE for B2 XXX Client provided a VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV; XXX % max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX % max allowed.<br>|
| 409015934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing required ARM Loan Program Disclosure | 08/04/25 Client provided a duplicate copy of the CHARM Booklet. Condition remains. Provide the missing ARM Program Disclosure.08/05/25 Client provided a duplicate copy of the CHARM Booklet and the following Seller comment: This is the ARM Disclosure. If this is not acceptable, please advise what form you are talking about. Condition remains. The CHARM Booklet is not the Early/Initial ARM Loan Program Disclosure. The Disclosure is a separate document. Provide the ARM Loan Program Disclosure.08/14/25 Client provided an approved exception for the missing ARM Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned departing property > XXX years.<br>|
| 409015934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned departing property > XXX years.<br>|
| 409015934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide signed CD from the cashout of XXX | 8.5.2025 Client provided executed CD from new xxx on XXX with cash out to borrower of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned departing property > XXX years.<br>|
| 409015934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Condition added: DTI currently differ (ARM) Max DTI is XXX%Lender 1008 DTI is XXX% and appear lender is using XXX+ XXX% = XXX% for qualifying | 8.13.2025 Client provided updated 1008 with DTI of XXX%; max DTI XXX% within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned departing property > XXX years.<br>|
| 409016061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX xxx xxx, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with XXX Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>|
| 409016280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline maximum LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: No late payments showing for departure residence.<br>|
| 409016320 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum required score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years with current employer.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves are $XXX, required reserves are $XXX.<br>|
| 409016423 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that Borrower no longer owns XXX. This is located on 3rd party Data Verify | 8.4.2025 Client provided property profile verifying borrower no longer owns XXX appears to be same as XXX (XXX is the subdivision) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months Qualifying Rate<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409016555 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 130 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>|
| 409016645 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0X26 mortgage payment history exceeds guide lines of XXX months.<br>|
| 409016817 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and xxx revisions, corrected on Pccd dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max of XXX% LTV.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX is above guideline requirement of XXX minimum credit score.<br>|
| 409016817 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing the master hoa condo insurance policy. | XXX Client provided the Condo Master insurance with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max of XXX% LTV.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX is above guideline requirement of XXX minimum credit score.<br>|
| 409016817 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount is $XXX. Conforming loan limit is $XXX. Per G/L: Minimum loan amount is $XXX over the current conforming loan limits.XXX- Subject loan amount $XXX is below the XXX Program xxx ARM minimum of $XXXK. | XXX Client provided exception approval for loan amount $XXX below guideline minimum of $XXX over the current conforming loan limits and for ARM minimum loan amount is $XXX; loan amount is below guideline minimum | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max of XXX% LTV.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX is above guideline requirement of XXX minimum credit score.<br>|
| 409016817 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide Condo Questionnaire or CPM. XXX Condo's require Full Review | XXX Client provided executed Condo questionnaire | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max of XXX% LTV.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX is above guideline requirement of XXX minimum credit score.<br>|
| 409016818 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to either verify xxx property HOA fee, or provide statement from borrowers that the property is not in an HOA. | XXX Client provided XXX for address XXX verifying no monthly HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX reserves; using qual rate $XXX\*XXX= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX exceeds guideline requirement of XXX.<br>|
| 409016818 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to either verify xxx property HOA fee, or provide statement from borrowers that the property is not in an HOA. | XXX Client provided XXX for address XXX verifying no monthly HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX reserves; using qual rate $XXX\*XXX= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX exceeds guideline requirement of XXX.<br>|
| 409016819 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3640 | xxx - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to increase in Discount Points from $XXX on initial CD XXX to $XXX on final CD XXX. COC dated XXX in file is informing about this change however a timely disclosed revised CD was not included. Condition is pending receiving a revised CD or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided an Email confirmation of receipt for the XXX CD package, however a copy of this CD package was not provided. Condition remains for the XXX CD package.XXX Client provided the missing XXX CD and Lock. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxx XXX\*XXX= $XXX reserves required.<br>|
| 409016820 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX + xxx $XXX\*XXX= $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>|
| 409016821 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX; min XXX.<br>|
| 409016822 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409016823 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Discount Points increased and Appraisal Desk Review was added without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided a duplicate copy of the XXX CD and a XXX Processor's Cert stating the borrower decided to reduce the amount of the down payment so the loan amount went up and the discount increased (based off a percentage). Condition remains. The file contained a XXX Revised CD Reason/Explanation form, however the Reason/Explanation only stated it was being produced to include in the Title Co. Package. This is not a valid COC. In addition, a Review Appraisal fee was added on the XXX LE without a valid Explanation listed on the XXX COC. Provide valid Change documentation for both increases for review, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.XXX Client provided a XXX PCCD with $XXX cure, LOE and shipping label. Condition remains for the $XXX refund check and proof of shipment (tracking shows only the label has been provided).XXX Client provided the refund checks totaling $XXX and the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.<br>|
| 409016823 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX XXX Disaster - Severe Storms, Flooding, Straight-line Winds, and Tornadoes. | XXX Client provided a XXX post disaster inspection showing No damage to the subject since the XXX event | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.<br>|
| 409016824 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | File is missing questionnaire or condo certification. | XXX Client provided executed Condo questionnaire along with Condo Master Policy | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX\*XXX (using due to no xxx provided)= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409016825 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 409016826 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XX<br>|
| 409016827 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing CD acknowledged by borrowers at closing on XXX | 07/30/25 Client provided the CD signed at Consummation on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX = $XXX reserves.<br>|
| 409016827 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions, corrected on Pccd XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX = $XXX reserves.<br>|
| 409016827 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPxxx3640 | xxx - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to added Attorney fee. COC in file dated XXX indicates the reason for added fee but a revised CD, provided to borrower with this change within XXX days of findings, is missing in file. Condition is pending receiving a revised CD or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 07/30/25 Client provided the missing XXX CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX = $XXX reserves.<br>|
| 409016828 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + XXX\*XXX= $XXX reserves required.<br>|
| 409016829 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | XXX Client provided LOX accepting QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual score $XXX\*XXX + XXX\*XXX= $XXX reserves required.<br>|
| 409016829 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | XXX- using qual rate XXX% DTI exceeds the XXX% max using XXX xxx ARM program guides for asset depletion. B1 used asset depletion from IRA acct using a XXX% rate of return over XXX years; $XXX\*.XXX= $XXX/mo.; Lender used asset depletion income of $XXX/month to qualify using XXX IRA account balance of $XXX divided by XXX months and the note start rate for subject PITI. | XXX Client provided an approved exception to allow the file using the Lender asset depletion calculation over XXX months | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual score $XXX\*XXX + XXX\*XXX= $XXX reserves required.<br>|
| 409016829 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3204 | Income Documentation Missing | No | XXX IRA account statements used for Employment-Related Assets as Qualifying Income (asset depletion) are cut-off on the right side. Complete account statements are required. | XXX Client provided exception approval for use of illegible (cut off on right side) copy of XXX IRA #XXX (XXX and XXX) statement used for assets depletion with able to calculate monthly asset depletion income with these illegible copy of bank statements. | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX, with having over XXX years with current employment and LTV of XXX% | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual score $XXX\*XXX + XXX\*XXX= $XXX reserves required.<br>|
| 409016830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409016832 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | File is missing Condo questionnaire or certification. | 7/21 Client provided the condo questionaire | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409016833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIA.Guidelines require XXX months or $XXX X XXX = $XXX+ XXX Months for Additional xxx or $XXX X XXX = $XXX<br>|
| 409016834 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409016835 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409016836 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409016837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3676 | xxx - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increase in Recording fee from $XXX on LE XXX to $XXX on CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 07/24/25 Client provided a XXX PCCD with a $XXX Lender cure credit, LOE to borrower, Tracking and refund check. Condition remains. The LOE and PCCD reflect the correct cure amount of $XXX, however the refund check is only for $XXX. Provide explanation for why the refund check is short by $XXX. Additional conditions may apply.07/30/25 Client provided a check for $XXX, LOE and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXXreserves; using qual rate $XXX \* XXX + xxx $XXX \* XXX = $XXX reserves required.<br>|
| 409016838 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409016839 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX \* XXX = $XXX reserves required.<br>|
| 409016840 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3676 | xxx - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fees increased on CD XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/30/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.07/31/25 Client provided updated tracking that confirms shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409016841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI, below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets:Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired reserves are XXX months<br>|
| 409016842 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3670 | xxx - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal Review fee on PCD XXX. Lender's credit on PCD XXX has increased but a compliant verbiage for tolerance cure is missing. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/28/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.07/31/25 Client provided the delivery confirmation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 409016842 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx3676 | xxx - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased Title fees (Lender's Policy and Endorsements) and Recording fee with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/28/25 Client provided a XXX PCCD with cure for the $XXX Zero Tolerance violation. Condition remains. Borrower is due an additional refund of $XXX for the XXX Percent Tolerance violation. Provide an additional $XXX refund, PCCD with increased tolerance cure, LOE and proof of delivery that includes tracking information.07/31/25 Client provided the delivery confirmation for the Zero Tolerance refund. Condition remains. Borrower is due an additional refund of $XXX for the XXX Percent Tolerance violation. Provide an additional $XXX refund, PCCD with increased tolerance cure, LOE and proof of delivery that includes tracking information.08/01/25 Client provided a XXX PCCD with additional cure, $XXX refund check, LOE and Tracking that belongs to the Zero Tolerance cure. Condition remains for the proof of shipment for the new $XXX refund (Tracking No. XXX).08/04/25 Client provided the delivery confirmation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 409016843 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI using qual rate; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409016844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. xxx mortgage payment history; xxxx24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX \* XXX = $XXX required reserves.<br>|
| 409016844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA supporting appraisal value $XXX due to CU Score 2.6. | 7/25 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. xxx mortgage payment history; xxxx24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX + xxx $XXX \* XXX = $XXX required reserves.<br>|
| 409016845 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 409016846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPxxx5291 | xxx: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate | No | The Initial Escrow Account Disclosure Statement reflects the monthly amount as $XXX , the Final Closing Disclosure reflects the monthly escrow amount as $XXX a difference of $XXX. | 07/25/25 Client provided a corrected XXX PCCD and 1st payment letter. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409017000 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing in file | 08/04/2025 Client provided the Missing Required Early ARM Loan Program Disclosure dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceed guideline requirements; no additional xxxS<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409017000 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceed guideline requirements; no additional xxxS<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409017000 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraiser to address exterior structure (marketability / value / condition / Square footage, etc) reflected in photos on page XXX combined file. No exterior structure / shed etc was mentioned in appraisal. May be subject to additional conditions upon review. | XXX Client provided updated appraisal including small shed exterior structure on xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceed guideline requirements; no additional xxxS<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409017726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXXYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional xxx or $ XXX X XXX = $ XXX<br>|
| 409018006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing complete XXX months xxx tax returns forxxx corp. XXX; signature pages only in file. | XXX Client provided the XXX years xxx returns | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409018006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Subject loan is a XXX ARM Max DTI is XXX% using Qual rate XXX, DTI is XXX | XXX Client provided some income documents, however unclear the reason for these documents, no LOX provided as to what is now changing. However appears to be now adding income from XXX of $XXX however xxx started XXX which don't cover XXX years of income being reported on tax returns and file have the XXX xxx reflecting started self employment as of XXX Condition remains, no changes to income | Condition satisfied with Client providing exception approval to allow XXX XXX employment income w/XXX; XXX xxx tax returns were in file and signed dated. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409018006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing complete XXXmonths xxx tax returns forxxx corp. XXX; signature pages only in file. | XXX Client provided XXX xxx XXX XXX supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409018006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | XXX XXX employment income w/xxx have been added as qualifying income however self employment started XXX | XXX Client provided exception approval to allow for XXXnd XXX employment income which started XXX(with Note date XXX) and file having XXX XXX returns signed dated by borrower with XXX supporting monthly income used for qualifying | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX with verified reserves $XXX and LTV XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409018566 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXXGuidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)<br>|
| 409019557 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409020799 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPxxx5293 | xxx Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409020799 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC2488 | Verbal verification of employment missing | No | File is missing a VOE for the borrower. | XXX Client provided an approved exception to allow the file without the VOE | Upon review by xxx xxx, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409020799 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Appraisal date XXX; XXX declaration #XXX for severe winter storm, straight-line winds, flooding landslides and mudslides has an effective date of XXX | XXX Client provided a post disaster inspection showing no damage since the XXX event | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-HYB1** | **SEMT 2025-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** | **10/18/2024 - 8/22/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *121* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:&nbsp;&nbsp;&nbsp;&nbsp;*** <br>| *94* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 409005798 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 409005799 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409005800 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409005801 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409005802 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409005804 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Not Applicable |
| 409005805 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409005806 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | No |
| 409005807 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409005808 | Yes | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | No |
| 409005810 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409005811 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409005812 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Not Applicable |
| 409005813 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409005814 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No |
| 409005815 | Yes | XXXXXX | XXXXXX | C | B | B | B | C | A | C | B | C | B | B | B | C | A | C | B | Not Applicable |
| 409005816 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409009583 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409011896 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409011986 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | No |
| 409011990 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | No |
| 409011995 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| 409012368 | Yes | XXXXXX | XXXXXX | D | B | D | B | C | B | A | A | D | B | D | B | C | B | A | A | Yes |
| 409012374 | Yes | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | No |
| 409012399 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409012524 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 409013056 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013062 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409013070 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013146 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013157 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013279 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409013290 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 409013315 | Yes | XXXXXX | XXXXXX | D | B | C | B | D | B | C | B | D | B | C | B | D | B | C | B | No |
| 409013339 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409013414 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013438 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No |
| 409014285 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409014948 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409014962 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409014975 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409014981 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409014986 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014988 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409015057 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015060 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015067 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409015096 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 409015116 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409015151 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409015153 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 409015155 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015174 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015182 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015190 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409015191 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 409015196 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409015200 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409015206 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015217 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015219 | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 409015418 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015430 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015446 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409015466 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015499 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 409015519 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409015525 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409015543 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015563 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015575 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| 409015582 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015596 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015647 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015716 | Yes | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | No |
| 409015717 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015727 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015750 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015918 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015934 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable |
| 409016061 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 409016280 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016320 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016423 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409016555 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016645 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016817 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | No |
| 409016818 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409016819 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409016820 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016821 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016822 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016823 | Yes | XXXXXX | XXXXXX | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | No |
| 409016824 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409016825 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016826 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409016827 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409016828 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016829 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 409016830 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016832 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409016833 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016834 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 409016835 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016836 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016837 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409016838 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016839 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016840 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409016841 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016842 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409016843 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016844 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409016845 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016846 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409017000 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | No |
| 409017726 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018006 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409018566 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409019557 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409020799 | Yes | XXXXXX | XXXXXX | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Not Applicable |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** <br>| **SEMT 2025-HYB1** |  |  |  |
| **Start - End Dates:** | **10/18/2024 - 8/22/2025** |  |  |  |
| **Deal Loan Count:** | **121** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 2 |
| Credit | Terms/Guidelines | CRDTER2850 | ARM terms do not meet guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER3490 | Missing Patriot Act form | 2 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 1 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception XXX% or Less | 4 |
| Credit | DTI | CRDDTI106 | Debt Ratio Exception >XXX% and  | 2 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 2 |
| Credit | Income/Employment | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | 2 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 1 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 1 |
| Compliance | Federal Consumer Protection | CMPFDCP847 | TILA - ARM Loan Program Disclosure after XXX days from application | 2 |
| Compliance | Federal Consumer Protection | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | 1 |
| **Total** |  |  |  | **32** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

![](logo_amc.gif)

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#### EXECUTIVE SUMMARY

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in June 2025 through August 2025 on mortgage loans with origination dates in August 2024 through August 2025 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 103 mortgage loans totaling an aggregate original principal balance of approximately $139.547 million.

(3) Determination of the sample size and computation.

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

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Has FTHB | Origination Channel |
| Amortization Term | Investor: Qualifying Total Debt Ratio | PITIA Reserves Months |
| Amortization Type | Lender | PMI Coverage % |
| Balloon Flag | Lien Position | Product Description |
| Borrower First Name | LTV Valuation Value | Property Type |
| Borrower FTHB | Mortgage Type | Purpose |
| Borrower Last Name | Note Date | Refi Purpose |
| Borrower Qualifying FICO | Occupancy | Representative FICO |
| Borrower SSN | Original CLTV | State |
| City | Original HCLTV | Street |
| Coborrower Qualifying FICO | Original Interest Rate | Total Cash-out |
| Contract Sales Price | Original Loan Amount | Zip |
| Decision System | Original LTV |  |
| Escrow Account | Original Term |  |

---

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

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

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

1 \| P a g e

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![](logo_amc.gif)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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:

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

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

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

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

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

<br> v) failure to provide the three (3) business day rescission period;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

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<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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

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

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 98.06% of the loans received a grade "B" or higher.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 77 | 77 | 64 | 103 | 49 |
| B | 26 | 26 | 37 | 0 | 52 |
| C | 0 | 0 | 2 | 0 | 2 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **103** | **103** | **103** | **103** | **103** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 74.76% | 62.14% | 100.00% | 47.57% |
| B | B | 25.24% | 35.92% | 0.00% | 50.49% |
| C | C | 0.00% | 1.94% | 0.00% | 1.94% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | C | TILA | 3 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***3*** |
| Compliance | B | TRID Defect | 25 |
| Compliance | B | ECOA | 23 |
| Compliance | B | ATR/QM Defect | 14 |
| Compliance | B | GSE | 1 |

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| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***63*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **66** |
| Credit | B | Title | 22 |
| Credit | B | Loan Package Documentation | 6 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***28*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **28** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **94** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 103 mortgage loans reviewed, 84 unique mortgage loans had 107 different tape discrepancies across 18 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio, Escrow Account, Note Date and Street. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 5 | 0.00% | 103 |
| Amortization Term | 0 | 57 | 0.00% | 103 |
| Amortization Type | 0 | 58 | 0.00% | 103 |
| Balloon Flag | 0 | 45 | 0.00% | 103 |
| Borrower First Name | 1 | 50 | 2.00% | 103 |
| Borrower FTHB | 1 | 4 | 25.00% | 103 |
| Borrower Last Name | 0 | 50 | 0.00% | 103 |
| Borrower Qualifying FICO | 0 | 53 | 0.00% | 103 |
| Borrower SSN | 0 | 46 | 0.00% | 103 |
| City | 0 | 50 | 0.00% | 103 |
| Coborrower Qualifying FICO | 0 | 32 | 0.00% | 103 |
| Contract Sales Price | 0 | 1 | 0.00% | 103 |
| Decision System | 1 | 4 | 25.00% | 103 |
| Escrow Account | 18 | 45 | 40.00% | 103 |
| Has FTHB | 2 | 46 | 4.35% | 103 |
| Investor: Qualifying Total Debt Ratio | 60 | 103 | 58.25% | 103 |
| Lender | 1 | 45 | 2.22% | 103 |
| Lien Position | 0 | 5 | 0.00% | 103 |
| LTV Valuation Value | 0 | 1 | 0.00% | 103 |
| Mortgage Type | 0 | 1 | 0.00% | 103 |
| Note Date | 4 | 4 | 100.00% | 103 |
| Occupancy | 0 | 103 | 0.00% | 103 |
| Original CLTV | 3 | 101 | 2.97% | 103 |
| Original HCLTV | 2 | 10 | 20.00% | 103 |
| Original Interest Rate | 1 | 50 | 2.00% | 103 |
| Original Loan Amount | 3 | 50 | 6.00% | 103 |
| Original LTV | 0 | 58 | 0.00% | 103 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Original Term | 0 | 1 | 0.00% | 103 |
| Origination Channel | 1 | 45 | 2.22% | 103 |
| PITIA Reserves Months | 1 | 45 | 2.22% | 103 |
| PMI Coverage % | 0 | 1 | 0.00% | 103 |
| Product Description | 1 | 45 | 2.22% | 103 |
| Property Type | 1 | 103 | 0.97% | 103 |
| Purpose | 0 | 103 | 0.00% | 103 |
| Refi Purpose | 0 | 13 | 0.00% | 103 |
| Representative FICO | 2 | 50 | 4.00% | 103 |
| State | 0 | 50 | 0.00% | 103 |
| Street | 4 | 50 | 8.00% | 103 |
| Total Cash-out | 0 | 12 | 0.00% | 103 |
| Zip | 0 | 103 | 0.00% | 103 |
| **Total** | **107** | **1698** | **6.30%** | **103** |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Adjustable | 103 | 100.00% | $139546532.00 | 100.00% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 103 | 100.00% | $139546532.00 | 100.00% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 2 | 1.94% | $3080000.00 | 2.21% |
| Limited Cash-Out | 4 | 3.88% | $6077800.00 | 4.36% |
| First Time Home Purchase | 5 | 4.85% | $7623000.00 | 5.46% |
| Other-than-first-time Home Purchase | 74 | 71.84% | $98900894.00 | 70.87% |
| Rate/Term Refinance - Borrower Initiated | 18 | 17.48% | $23864838.00 | 17.10% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 103 | 100.00% | $139546532.00 | 100.00% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 51 | 49.51% | $74220238.00 | 53.19% |
| Condo, Low Rise | 4 | 3.88% | $4372000.00 | 3.13% |
| Condo, High Rise | 2 | 1.94% | $2277000.00 | 1.63% |
| PUD | 45 | 43.69% | $57207294.00 | 41.00% |

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| | | | | |
|:---|:---|:---|:---|:---|
| 2 Family | 1 | 0.97% | $1470000.00 | 1.05% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 99 | 96.12% | $135379033.00 | 97.01% |
| Second Home | 4 | 3.88% | $4167499.00 | 2.99% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 51 | 49.51% | $67930936.00 | 48.68% |
| Retail | 39 | 37.86% | $54424296.00 | 39.00% |
| Correspondent Flow with Delegated UW | 3 | 2.91% | $5521500.00 | 3.96% |
| Correspondent Flow without Delegated UW | 10 | 9.71% | $11669800.00 | 8.36% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 103 | 100.00% | $139546532.00 | 100.00% |
| **Total** | **103** | **100.00%** | **$139546532.00** | **100.00%** |

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## Exhibit 99.9

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 9/8/2025 8:29:43 PM

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| [Redacted] | 3554911369 | 3554911369 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3563742233 | 3563742233 |  |  | B | C | A | C | A | A | A | A |  |
| [Redacted] | 3563894383 | 3563894383 |  |  | C | C | A | C | B | B | A | B |  |
| [Redacted] | 3562747004 | 3562747004 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 8378519 | 8378519 | 8378519 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 8360515 | 8360515 | 8360515 |  | B | B | A | B | B | B | A | B |  |
| [Redacted] | 8599986 | 8599986 | 8599986 |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 8721940 | 8721940 | 8721940 |  | B | B | A | B | B | B | A | B |  |
| [Redacted] | 8850743 | 8850743 | 8850743 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 8975211 | 8975211 | 8975211 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 8987220 | 8987220 | 8987220 |  | A | A | A | A | B | A | A | B |  |
| [Redacted] | 8989125 | 8989125 | 8989125 |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 8991076 | 8991076 | 8991076 |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 8993233 | 8993233 | 8993233 |  | C | C | A | C | B | B | A | B |  |
| [Redacted] | 8993253 | 8993253 | 8993253 |  | B | C | A | C | B | B | A | B |  |
| [Redacted] | 8993441 | 8993441 | 8993441 |  | B | C | A | C | B | B | A | B |  |
| [Redacted] | 9003019 | 9003019 | 9003019 |  | C | A | A | C | B | A | A | B |  |
| [Redacted] | 9003774 | 9003774 | 9003774 |  | C | A | D | D | B | A | A | B |  |
| [Redacted] | 9003772 | 9003772 | 9003772 |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 9003771 | 9003771 | 9003771 |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 9006047 | 9006047 | 9006047 |  | C | B | A | C | B | B | A | B |  |
| [Redacted] | 9006537 | 9006537 | 9006537 |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 9011314 | 9011314 | 9011314 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9013636 | 9013636 | 9013636 |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 9021924 | 9021924 | 9021924 |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 9029772 | 9029772 | 9029772 |  | C | A | C | C | A | A | A | A |  |
| [Redacted] | 9044286 | 9044286 | 9044286 |  | A | C | D | D | A | A | A | A |  |
| [Redacted] | 9046680 | 9046680 | 9046680 |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 9050759 | 9050759 | 9050759 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 9050771 | 9050771 | 9050771 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9054417 | 9054417 | 9054417 |  | A | A | C | C | A | A | A | A |  |
| [Redacted] | 9054989 | 9054989 | 9054989 |  | A | D | A | D | A | B | A | B |  |
| [Redacted] | 9067484 | 9067484 | 9067484 |  | B | B | A | B | B | B | A | B |  |
| [Redacted] | 8993473 | 8993473 |  |  | C<br> D | C | A | C<br> D | A | B | A | B |  |
| [Redacted] | 9075274 | 9075274 | 9075274 |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 9075345 | 9075345 | 9075345 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9080782 | 9080782 | 9080782 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9092596 | 9092596 | 9092596 |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 9097097 | 9097097 | 9097097 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 9010987 | 9010987 |  |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9102223 | 9102223 | 9102223 |  | A | C | A | C | A | B | A | B |  |
| [Redacted] | 9109277 | 9109277 | 9109277 |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 9110181 | 9110181 | 9110181 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 9110454 | 9110454 | 9110454 |  | C | A | A | C | B | A | A | B |  |
| [Redacted] | 9111461 | 9111461 | 9111461 |  | C | A | A | C | B | A | A | B |  |
| [Redacted] | 9113526 | 9113526 | 9113526 |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 9048607 | 9048607 |  |  | C | B | A | C | A | B | A | B |  |
| [Redacted] | 9118380 | 9118380 | 9118380 |  | A | B | D | D | A | B | A | B |  |
| [Redacted] | 9119168 | 9119168 | 9119168 |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 9119488 | 9119488 | 9119488 |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 9120627 | 9120627 | 9120627 |  | A | C | A | C | A | B | A | B |  |
| [Redacted] | 9120629 | 9120629 | 9120629 |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3562475150 | 3562475150 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564045743 | 3564045743 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3562865366 | 3562865366 |  |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 3563647950 | 3563647950 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3562630417 | 3562630417 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 3563635107 | 3563635107 |  |  | B | A | A | B | A | A | A | A |  |
| [Redacted] | 3563882554 | 3563882554 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3563391325 | 3563391325 |  |  | A | B | A | B | A | A | A | A |  |
| [Redacted] | 3563708089 | 3563708089 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3562955344 | 3562955344 |  |  | C | C | A | C | A | B | A | B |  |
| [Redacted] | 3564593791 | 3564593791 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3562831462 | 3562831462 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3563540842 | 3563540842 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3563640500 | 3563640500 |  |  | A | C | A | C | A | C | A | C |  |
| [Redacted] | 3564577476 | 3564577476 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3559644196 | 3559644196 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564116631 | 3564116631 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564372272 | 3564372272 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 3563515223 | 3563515223 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3563689518 | 3563689518 |  |  | B | C | A | C | B | C | A | C |  |
| [Redacted] | 3563798481 | 3563798481 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564281854 | 3564281854 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3564336332 | 3564336332 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564606220 | 3564606220 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564290673 | 3564290673 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3563921965 | 3563921965 |  |  | A | C | A | C | A | B | A | B |  |
| [Redacted] | 3561017227 | 3561017227 |  |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 3564355708 | 3564355708 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3564389487 | 3564389487 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564451515 | 3564451515 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3564569980 | 3564569980 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564707806 | 3564707806 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3565075556 | 3565075556 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3563686105 | 3563686105 |  |  | A | B | A | B | A | B | A | B |  |
| [Redacted] | 3564020013 | 3564020013 |  |  | A | C | A | C | A | A | A | A |  |
| [Redacted] | 3564440700 | 3564440700 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564712192 | 3564712192 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3565084649 | 3565084649 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3565123987 | 3565123987 |  |  | C | C | A | C | B | B | A | B |  |
| [Redacted] | 3564132492 | 3564132492 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3564261126 | 3564261126 |  |  | B | C | A | C | B | B | A | B |  |
| [Redacted] | 3557689381 | 3557689381 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3562636419 | 3562636419 |  |  | C | C | A | C | A | A | A | A |  |
| [Redacted] | 3564446744 | 3564446744 |  |  | B | A | A | B | B | A | A | B |  |
| [Redacted] | 3564706804 | 3564706804 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3565180259 | 3565180259 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3564972461 | 3564972461 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3566136153 | 3566136153 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 3565028694 | 3565028694 |  |  | A | A | A | A | A | A | A | A |  |
| [Redacted] | 2411008473 | 2411008473 |  |  | C | A | A | C | A | A | A | A |  |
| [Redacted] | 4000078457 | 4000078457 |  |  | C | A | A | C | A | A | A | A |  |

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![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 9/8/2025 8:29:43 PM

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| **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** |
| [Redacted] | 3554911369 | 3554911369 |  | 33787168 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-05-29): seller accepts; no change to grading.<br>|  |  | 05/29/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563742233 | 3563742233 |  | 33926511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Tax Service Fee was last disclosed as $[redacted]on the initial Loan Estimate, but was disclosed as $[redacted] on the Final CD. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. \*Note - the fee increase is listed on the COC in the file, however, it's allocated to the [redacted] LE. Fee change occurred on the [redacted] LE. |  |  |  | Reviewer Comment (2025-06-19): [redacted] received COC dated [redacted].<br>Buyer Comment (2025-06-18): See attached.<br>Buyer Comment (2025-06-18): The increase in the LoL tax fee was caused by the loan amount increase occurring between the initial LE issued and the redisclosure on [redacted]. Please see the attached early process cic form reflecting the change on the correct date. Regardless of the date printed on the cic form, the fee was properly disclosed within [redacted] days of the change in loan amt.<br>| 06/19/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563742233 | 3563742233 |  | 33926512 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-19): Final title policy received, exception cleared.<br>| 06/19/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563742233 | 3563742233 |  | 33926513 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-16): Final Title policy received. Exception cleared.<br>Buyer Comment (2025-06-16): Please see the attached final title policy noting the coverage amount.<br>| 06/16/2025 |  |  | 1<br> B<br> A |  | [Redacted] | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563894383 | 3563894383 |  | 33926515 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-16): seller accepts; no change to grading.<br>|  |  | 06/16/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563894383 | 3563894383 |  | 33926517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-24): seller accepts; no change to grading.<br>Reviewer Comment (2025-06-23): [redacted] received proof the final LE received within timing. LE sent prior to final LE with no proof of receipt by borrower is regraded to EV2-B as final LE was received within timing requirements.<br>Buyer Comment (2025-06-20): Please refer to response on associated exception that appears to be resolved: Please see the below screenshots. We provided the most recent LE screenshot, and the other two lower screenshots are for the LE's created the same day. As you can see the LE on [redacted] was the most recent LE that was required to be viewed by borrower. Please downgrade any exceptions for the interim Loan Estimates.<br>Reviewer Comment (2025-06-17): [redacted] received screenprint reflecting [redacted] @ [redacted] issued LE was received by borrower on [redacted] @ [redacted]. However, in order to clear and re-grade to EV2-B on any [redacted] other LE sequences sent prior to this, [redacted] would require additional documentation. Please note on the Evidentiary Document that there were [redacted] sequences of LE's sent on [redacted]. Sequence [redacted] at [redacted], Sequence [redacted] at [redacted] and Sequence [redacted] at [redacted]. Doc IDs [redacted] & [redacted] reflect differing figures from Doc ID [redacted], [redacted], [redacted] & [redacted] which are identical figures. [redacted] cannot determine the final Sequence [redacted] LE without all [redacted] sequences of LE. It should be noted that on Doc ID's [redacted]& [redacted]have differing scan ID # on page [redacted] bottom ending in [redacted], while Doc ID's [redacted]& [redacted] # ends in [redacted]. [redacted] cannot assume these are varying disclosures issued at separate timing or there is a Missing LE not provided. Please provide any missing LE and/or documentation & attestations that [redacted]can determine the sequence of the [redacted] LE's sent on [redacted] and which is the last LE issued.<br>Buyer Comment (2025-06-16): Please see the attached le verification.<br>|  |  | 06/24/2025 | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563894383 | 3563894383 |  | 33926518 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-23): [redacted] received proof of earlier electronic receipt.<br>Reviewer Comment (2025-06-19): Final LE received timely.<br>Buyer Comment (2025-06-18): [redacted]: Please see the below screenshots. We provided the most recent LE screenshot, and the other two lower screenshots are for the LE's created the same day. As you can see the LE on [redacted] was the most recent LE that was required to be viewed by borrower. Please downgrade any exceptions for the interim Loan Estimates.<br>Reviewer Comment (2025-06-17): [redacted] received screenprint reflecting [redacted] @ [redacted] issued LE was received by borrower on [redacted] @ [redacted]. However, in order to clear and re-grade to EV2-B on any [redacted] other LE sequences sent prior to this, [redacted] would require additional documentation. Please note on the Evidentiary Document that there were [redacted] sequences of LE's sent on [redacted]. Sequence [redacted] at [redacted], Sequence [redacted] at [redacted] and Sequence [redacted] at [redacted]. Doc IDs [redacted]& [redacted]reflect differing figures from Doc ID [redacted], [redacted], [redacted]& [redacted]which are identical figures. [redacted] cannot determine the final Sequence [redacted] LE without all [redacted] sequences of LE. It should be noted that on Doc ID's [redacted]& [redacted] have differing scan ID # on page [redacted] bottom ending in [redacted], while Doc ID's [redacted]& [redacted]# ends in [redacted]. [redacted] cannot assume these are varying disclosures issued at separate timing or there is a Missing LE not provided. Please provide any missing LE and/or documentation & attestations that [redacted] can determine the sequence of the [redacted] LE's sent on [redacted] and which is the last LE issued.<br>Buyer Comment (2025-06-16): Only the most recent loan estimate needs to be acknowledged by the borrower. [redacted] has previously confirmed that the other loan estimates can be downgraded to an Ev2. Please downgrade exception as the most recent LE verification has been provided.<br>| 06/23/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563894383 | 3563894383 |  | 33926519 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Fully executed gift letter not provided in file. Please provide for review. |  |  |  | Reviewer Comment (2025-06-17): Received Executed Gift Letter. Exception Cleared.<br>Buyer Comment (2025-06-16): Please see the attachments.<br>| 06/17/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8378519 | 8378519 | 8378519 | 34076332 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-11): Waived on Rate Lock: Collateral cleared by [redacted]<br>Seller Comment (2024-10-10): (Rate Lock) [redacted]<br>| 10/11/2024 |  |  | 1<br> A |  | [Redacted] | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8378519 | 8378519 | 8378519 | 34076334 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 10/08/2024 | 2<br> B |  | [Redacted] | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8360515 | 8360515 | 8360515 | 34076345 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-15): Waived on Rate Lock: Collateral cleared by [redacted]<br>Seller Comment (2024-11-14): (Rate Lock) Collateral was delivered today ([redacted]) via UPS tracking #[redacted].<br>| 11/15/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8360515 | 8360515 | 8360515 | 34076347 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 11/13/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8360515 | 8360515 | 8360515 | 34076348 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 11/13/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8360515 | 8360515 | 8360515 | 34076350 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/13/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8599986 | 8599986 | 8599986 | 34076357 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-02): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/02/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8599986 | 8599986 | 8599986 | 34076358 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. Note: the file is missing the initial LE provided within [redacted] business days of the application date, which could clear the condition. |  |  |  | Reviewer Comment (2024-12-05): [redacted] received LE dated [redacted]<br>| 12/05/2024 |  |  | 1<br> B<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8599986 | 8599986 | 8599986 | 34076359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. |  |  |  | Reviewer Comment (2024-12-05): [redacted] received LE dated [redacted]<br>Seller Comment (2024-12-04): LE<br>| 12/05/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8599986 | 8599986 | 8599986 | 34076361 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Tax Service Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-05): [redacted] received initial LE<br>| 12/05/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8599986 | 8599986 | 8599986 | 34076362 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. | ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  | Reviewer Comment (2024-12-11): Initial LE provided and confirmed program switched from Fixed to ARM<br>Seller Comment (2024-12-10): Loan program changed from fixed rate to an Arm. Please see the attached notice of loan change for confirmation.<br>| 12/11/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8721940 | 8721940 | 8721940 | 34076380 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/31/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8721940 | 8721940 | 8721940 | 34076381 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/18/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8721940 | 8721940 | 8721940 | 34076384 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/18/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076398 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-13): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/13/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Note: the difference appears to be due to the Index of [redacted]% used by the lender. This Index was not available within the [redacted] day lookback period based. The lowest Index available, [redacted]%, was used for testing and the rate lock date of [redacted]. |  |  |  | Reviewer Comment (2025-01-22): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-01-20): Please see the attached LOX, Refund check, Right to Cancel, Closing Disclosure, and Proof of Delivery.<br>Reviewer Comment (2024-12-20): [redacted] received lender APR tool. However, this does not reflect the index utilized or calculations. However, based on the Closing instructions in file, Doc ID [redacted]), it has stated the Index to be [redacted]%. This index percentage was not an index available within the lookback period from closing, between [redacted] and [redacted] , the lowest index was [redacted]% on [redacted]. Lender's amortization schedule also reflects a lower P&I change on [redacted]st change to $[redacted](no rate was reflect on amortization) but [redacted] calculates P&I of $[redacted]on [redacted]st change which would indicate the incorrect index was used for the total payments calculation. Finance charge was underdisclosed by $[redacted]and would require cure. To cure, we will need a Corrected CD, LOE to borrower, refund check in the amount of the under disclosure, proof of reopening of rescission to all consumers. and proof of mailing or Note modification to lower the margin so that the disclosed top and finance charge will no longer be under disclosed, LOE to borrower, proof of delivery and proof of reopening rescission to all consumers. If lender chooses to cure with refund, please note that the higher TOP violation of $[redacted]can be used to cure this violation also.<br>Seller Comment (2024-12-19): Disagree - Please see the attached APR Tool using the fully index rate.<br>|  | 01/22/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Note: the difference appears to be due to the Index of [redacted]% used by the lender. This Index was not available within the [redacted] day lookback period based. The lowest Index available, [redacted]%, was used for testing and the rate lock date of [redacted]. |  |  |  | Reviewer Comment (2025-01-22): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-01-20): Please see the attached LOX, Refund check, Right to Cancel, Closing Disclosure, and Proof of Delivery.<br>Reviewer Comment (2024-12-20): [redacted] received lender APR tool. However, this does not reflect the index utilized or calculations. However, based on the Closing instructions in file, Doc ID [redacted]), it has stated the Index to be [redacted]%. This index percentage was not an index available within the lookback period from closing, between [redacted] and [redacted], the lowest index was [redacted]% on [redacted]. Lender's amortization schedule also reflects a lower P&I change on [redacted]st change to $[redacted](no rate was reflect on amortization) but [redacted] calculates P&I of $[redacted]on [redacted]st change which would indicate a stale index was used for the total payments calculation. TOP was underdisclosed by $[redacted]and would require cure. To cure, we will need a Corrected CD, LOE to borrower, refund check in the amount of the under disclosure, proof of reopening of rescission to all consumers. and proof of mailing or Note modification to lower the margin so that the disclosed top and finance charge will no longer be under disclosed, LOE to borrower, proof of delivery and proof of reopening rescission to all consumers. If lender chooses to cure with refund, please note that the higher<br>Seller Comment (2024-12-19): Disagree - Please see the attached APR Tool using the fully index rate. | Reviewer Comment (2025-01-22): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-01-20): Please see the attached LOX, Refund check, Right to Cancel, Closing Disclosure, and Proof of Delivery.<br>Reviewer Comment (2024-12-20): [redacted] received lender APR tool. However, this does not reflect the index utilized or calculations. However, based on the Closing instructions in file, Doc ID [redacted]), it has stated the Index to be [redacted]%. This index percentage was not an index available within the lookback period from closing, between [redacted] and [redacted], the lowest index was [redacted]% on [redacted]. Lender's amortization schedule also reflects a lower P&I change on [redacted]st change to $[redacted](no rate was reflect on amortization) but [redacted] calculates P&I of $[redacted]on [redacted]st change which would indicate a stale index was used for the total payments calculation. TOP was underdisclosed by $[redacted]and would require cure. To cure, we will need a Corrected CD, LOE to borrower, refund check in the amount of the under disclosure, proof of reopening of rescission to all consumers. and proof of mailing or Note modification to lower the margin so that the disclosed top and finance charge will no longer be under disclosed, LOE to borrower, proof of delivery and proof of reopening rescission to all consumers. If lender chooses to cure with refund, please note that the higher<br>Seller Comment (2024-12-19): Disagree - Please see the attached APR Tool using the fully index rate. | 01/22/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076403 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The final 1003 identified funds from a Charles Schwab account xx[redacted] were used for reserves; however they were not located in file. |  |  |  | Reviewer Comment (2024-12-22): As per guideline, current account statement acceptable. Exception Cleared.<br>Seller Comment (2024-12-19): [redacted]: Please note that the guidelines refer back to Fannie Mae. AUS confirms that documentation includes a copy of the statement and does not list [redacted] months. Brokerage account is not a retirement account.<br>Reviewer Comment (2024-12-18): Per guidelines, brokerage/Stock/Mutual funds also required Consecutive [redacted] Months Statement. Exception Remains.<br>Seller Comment (2024-12-16): [redacted]: Please note that the guidelines require [Redacted] to follow Fannie Mae guidance pertaining to assets. The guideline states retirement accounts are required to have [redacted] months of asset statements, but the account provided is not a retirement account, it is a brokerage/stock account. Per Fannie Mae section b3-[redacted], One monthly statement for [redacted] days of account activity is required for all limited cash-out and cash-out refinance transactions. Subject transaction is a refinance.<br>Reviewer Comment (2024-12-16): Received [redacted] Month of Bank Statemen. Required consecutive [redacted] month statement. Exception Remains.<br>Seller Comment (2024-12-12): [redacted]: Please see Charles Schwab account #[redacted]<br>| 12/22/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076404 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Documented qualifying Assets for Closing of $[redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2024-12-16): Received Bank Statement. Exception Cleared.<br>Seller Comment (2024-12-12): [redacted]: Please see [redacted] account #[redacted]<br>| 12/16/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2024-12-16): Received Bank Statement. Exception Cleared.<br>Seller Comment (2024-12-12): [redacted]: Please see [redacted] account #[redacted]<br>| 12/16/2024 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2024-12-16): Received Bank Statement. Exception Cleared.<br>Seller Comment (2024-12-12): [redacted]: Please see [redacted] account #[redacted]<br>| 12/16/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076407 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Per the guidelines, a Collateral Desktop Analysis report (CDA) from Clear Capital is required. The desk review is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-05): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-04): [redacted]: Please see attached CDA<br>| 02/05/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | 34076408 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file is missing the paid receipt for the HOI policy of $[redacted] paid prior to closing. Also, the file contained a copy of the wire sent to the title company for $[redacted] from an [redacted] account, however those statements are not in file. Note: the cash to close was calculated as $[redacted] ($[redacted] cash due at closing + $[redacted] POC fees). |  |  |  | Reviewer Comment (2024-12-16): Received Bank Statement. Exception Cleared.<br>Seller Comment (2024-12-12): [redacted]: Please see [redacted] account #[redacted]. Account covers balance for cash to close, POC's and reserves.<br>| 12/16/2024 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8975211 | 8975211 | 8975211 | 34076416 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/31/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8975211 | 8975211 | 8975211 | 34076417 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  | 12/16/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8975211 | 8975211 | 8975211 | 34076419 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. | en 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 (2024-12-16): Sufficient Cure Provided At Closing<br>|  | 12/16/2024 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8987220 | 8987220 | 8987220 | 34076426 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/31/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8987220 | 8987220 | 8987220 | 34076431 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Upon further review, per the guidelines, a Collateral Desktop Analysis report (CDA) from Clear Capital is required. The desk review is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-01-07): CDA provided. Exception cleared.<br>Seller Comment (2025-01-06): [redacted]: Please see the attached CDA from Clear Capital.<br>Reviewer Comment (2025-01-02): Per the Prime Jumbo Eligibility Guides, If the CU score is [redacted] or less, a CDA or other secondary valuation is required. Exception Remains.<br>Seller Comment (2024-12-30): [redacted]: Please note that the investor guidelines state that an acceptable option for a secondary valuation includes an acceptable CU/LCA score (completed by UWM). The Fannie Mae SSRs reflect a CU score of [redacted], which is acceptable as a secondary valuation.<br>| 01/07/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8987220 | 8987220 | 8987220 | 34076432 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Updated condition: Subject is located in a FEMA disaster area with a declaration date of [redacted]. A disaster declaration end date has not been identified yet. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-10): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached.<br>|  |  | 02/10/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076448 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076451 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Verification Fee was disclosed to the borrower on the LE as [redacted], thew final CD shows the fee as [redacted], there was a lender credit of [redacted] to cover the cost to cure. |  |  |  | Reviewer Comment (2024-12-31): Sufficient Cure Provided At Closing<br>|  | 12/31/2024 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of [redacted] % moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-01-06): Updated condition<br>Seller Comment (2025-01-06): Hello. Can you please advise how you are getting [redacted]? The UW summary provided has detailed notes on debts excluded/added as well.<br>| 01/06/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-01-29): K1's provided<br>Reviewer Comment (2025-01-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.<br>| 01/29/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076454 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The calculated DTI moderately exceeds the max per guidelines. |  |  |  | Reviewer Comment (2025-01-27): Updated documentation/clarification provided. Income calculations and sources were updated. DTI met the guideline max.<br>Reviewer Comment (2025-01-02): Updated comment: the difference is due to the lender reduced the income by the monthly child support obligation and the FNMA selling guide requires the child support to be added to the liabilities. Only Alimony can reduce the income.<br>Reviewer Comment (2025-01-02): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>| 01/27/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076455 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-01-27): Updated documentation/clarification provided. Income calculations and sources were updated. DTI met the guideline max.<br>| 01/27/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076456 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [redacted] |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076457 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than [redacted] Percent | General QM: Unable to verify current K-1 (Less than [redacted] % Ownership) status using reasonably reliable third-party records. | Upon further review, the file is missing the complete copy of the [redacted] 1040's, with all schedules. The file only contains the signature page for [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-01-27): Updated documentation/clarification provided. Income calculations and sources were updated. DTI met the guideline max.<br>Seller Comment (2025-01-24): Updated income calculations and UW summary uploaded:<br> Child support was moved to the correct "debts" deduction section.<br> DTI is [redacted] % and DU is approved - Du #[readcted] is uploaded to the file<br> Updated UW summary comments attached and include in file<br>For the K1 "other income" it's been updated to[redacted]/mo<br> We calculated all the losses, final K1 and income of the [redacted]K1s for this borrower (seen on the left side below/attached) and then divided individually by each increasing or decreasing income , all K1s are all already in the file<br> This gives us [redacted]/mo for added up K1 income<br>Attached is the email from the employer that confirms the other/surplus income reporting/ received is typical for his position, he's a [redacted] and has been with employer [redacted]yrs.<br> Email also notes this income is expected to continue and we have history of receipt.<br> In [redacted], there was a merger. See attached press release… this is the reason for some of the final [redacted]K1s we have, lack of "other income", and also supports for the [redacted]dip in income for W2 employment. [redacted]/current earnings are all in line with [redacted]earnings putting [redacted]as an anomaly year.<br> Using [redacted]mo average for most recent bonus received with it being higher than [redacted], but still lower than [redacted].<br>Base [redacted]/mo<br> Bonus [redacted] /[redacted] =[redacted]/mo<br> Other/surplus [redacted] which is all the other / [redacted]mo<br>Seller Comment (2025-01-24): Updated income calculations and UW summary uploaded:<br> Child support was moved to the correct "debts" deduction section.<br> DTI is [redacted]% and DU is approved - Du #[redacted]is uploaded to the file<br> Updated UW summary comments attached and include in file<br>For the K1 "other income" it's been updated to [redacted]/mo<br> We calculated all the losses, final K1 and income of the [redacted] K1s for this borrower (seen on the left side below/attached) and then divided individually by each increasing or decreasing income , all K1s are all already in the file<br> This gives us [redacted]/mo for added up K1 income<br>Attached is the email from the employer that confirms the other/surplus income reporting/ received is typical for his position, he's a [redacted] and has been with employer [redacted]yrs.<br> Email also notes this income is expected to continue and we have history of receipt.<br> In [redacted], there was a merger. See attached press release… this is the reason for some of the final [redacted]K1s we have, lack of "other income", and also supports for the [redacted] dip in income for W2 employment. [redacted]/current earnings are all in line with [redacted]earnings putting [redacted]as an anomaly year.<br> Using [redacted] mo average for most recent bonus received with it being higher than [redacted], but still lower than [redacted].<br>Base [redacted]/mo<br> Bonus [redacted] /[redacted] =[redacted]/mo<br> Other/surplus [redacted] which is all the other / [redacted] mo<br>Seller Comment (2025-01-24): Updated income calculations and UW summary uploaded:<br> Child support was moved to the correct "debts" deduction section.<br> DTI is [redacted]% and DU is approved - Du #[redacted] is uploaded to the file<br> Updated UW summary comments attached and include in file<br>For the K1 "other income" it's been updated to [redacted]/mo<br> We calculated all the losses, final K1 and income of the [redacted]K1s for this borrower (seen on the left side below/attached) and then divided individually by each increasing or decreasing income , all K1s are all already in the file<br> This gives us [redacted]/mo for added up K1 income<br>Attached is the email from the employer that confirms the other/surplus income reporting/ received is typical for his position, he's a [redacted] and has been with employer [redacted]yrs.<br> Email also notes this income is expected to continue and we have history of receipt.<br> In [redacted], there was a merger. See attached press release… this is the reason for some of the final [redacted] K1s we have, lack of "other income", and also supports for the [redacted] dip in income for W2 employment. [redacted]/current earnings are all in line with [redacted] earnings putting [redacted] as an anomaly year.<br> Using [redacted]mo average for most recent bonus received with it being higher than [redacted], but still lower than [redacted].<br>Base [redacted]/mo<br> Bonus [redacted] /[redacted] = [redacted]/mo<br> Other/surplus [redacted] which is all the other / [redacted]mo<br>Seller Comment (2025-01-24): Updated income calculations and UW summary uploaded:<br> Child support was moved to the correct "debts" deduction section.<br> DTI is [redacted]% and DU is approved - Du #[redacted] is uploaded to the file<br> Updated UW summary comments attached and include in file<br>For the K1 "other income" it's been updated to [redacted]/mo<br> We calculated all the losses, final K1 and income of the [redacted] K1s for this borrower (seen on the left side below/attached) and then divided individually by each increasing or decreasing income , all K1s are all already in the file<br> This gives us [redacted]/mo for added up K1 income<br>Attached is the email from the employer that confirms the other/surplus income reporting/ received is typical for his position, he's a [redacted] and has been with employer [redacted]yrs.<br> Email also notes this income is expected to continue and we have history of receipt.<br> In [redacted], there was a merger. See attached press release… this is the reason for some of the final [redacted]K1s we have, lack of "other income", and also supports for the [redacted]dip in income for W2 employment. [redacted]/current earnings are all in line with [redacted] earnings putting [redacted]as an anomaly year.<br> Using [redacted]mo average for most recent bonus received with it being higher than [redacted], but still lower than [redacted].<br>Base [redacted]/mo<br> Bonus [redacted] /[redacted] = [redacted]/mo<br> Other/surplus [redacted] which is all the other / [redacted]mo<br>Seller Comment (2025-01-24): Updated income calculations and UW summary uploaded:<br> Child support was moved to the correct "debts" deduction section.<br> DTI is [redacted]% and DU is approved - Du #[redacted] is uploaded to the file<br> Updated UW summary comments attached and include in file<br>For the K1 "other income" it's been updated to [redacted]/mo<br> We calculated all the losses, final K1 and income of the [redacted] K1s for this borrower (seen on the left side below/attached) and then divided individually by each increasing or decreasing income , all K1s are all already in the file<br> This gives us [redacted]/mo for added up K1 income<br>Attached is the email from the employer that confirms the other/surplus income reporting/ received is typical for his position, he's a [redacted] and has been with employer [redacted].<br> Email also notes this income is expected to continue and we have history of receipt.<br> In [redacted], there was a merger. See attached press release… this is the reason for some of the final [redacted] K1s we have, lack of "other income", and also supports for the [redacted] dip in income for W2 employment. [redacted]/current earnings are all in line with [redacted] earnings putting [redacted]as an anomaly year.<br> Using [redacted] mo average for most recent bonus received with it being higher than [redacted], but still lower than [redacted].<br>Base [redacted]/mo<br> Bonus [redacted] /[redacted] = [redacted]/mo<br> Other/surplus [redacted] which is all the other /[redacted] mo<br>Reviewer Comment (2025-01-09): Upon further review, the DU qualified the borrower with K1 <[redacted]% income of [redacted]. The file is missing the K1's for [redacted]/[redacted]to calculate this income. Apologies for the confusion with the initial condition, the complete tax returns were only part of the initial reason for the failure. Note: the 1008 income did not match the DU income calculations, the 1008 did not include the K1 income. If removed, the DTI exceeds [redact | 01/27/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076458 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less than [redacted] % Ownership) income using reasonably reliable third-party records. | Upon further review, the file is missing the complete copy of the [redacted] 1040's, with all schedules. The file only contains the signature page for [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-01-27): Updated documentation/clarification provided. Income calculations and sources were updated. DTI met the guideline max.<br>| 01/27/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076459 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Updated condition, the DTI exceeds the max due to the lender excluded the [redacted] debt from the income and the FNMA selling guide only allows [redacted] to be deducted from the income, the [redacted] must be included in the liabilities. |  |  |  | Reviewer Comment (2025-01-27): Updated documentation/clarification provided. Income calculations and sources were updated. DTI met the guideline max.<br>| 01/27/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Updated condition, the DTI exceeds the max due to the lender excluded the [redacted] debt from the income and the FNMA selling guide only allows [redacted] to be deducted from the income, the [redacted] must be included in the liabilities. |  |  |  | Reviewer Comment (2025-01-09): Complete copy of the [redacted]/[redacted]tax returns were provided<br>| 01/09/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076461 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Upon further review, the file is missing the complete copy of the [redacted] 1040's, with all schedules. The file only contains the signature page for [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-01-09): Complete copy of the [redacted]/[redacted]tax returns were provided<br>| 01/09/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076462 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than [redacted] Percent | General QM: Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | Updated documentation/clarification provided. The file is missing the [redacted] K1 for the entity included in the income qualification. |  |  |  | Reviewer Comment (2025-01-29): K1's provided<br>Reviewer Comment (2025-01-28): Condition cannot be cleared without receipt of the K1's for the entities used to qualify. Condition is valid and remains open<br>Seller Comment (2025-01-28): Please clear.<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076463 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | Updated documentation/clarification provided. The file is missing the [redacted] K1 for the entity included in the income qualification. |  |  |  | Reviewer Comment (2025-01-29): K1's provided<br>Seller Comment (2025-01-29): [redacted]-[redacted]K1s<br>Seller Comment (2025-01-29): [redacted]<br>Reviewer Comment (2025-01-28): Condition cannot be cleared without receipt of the K1's for the entities used to qualify. Condition is valid and remains open<br>Seller Comment (2025-01-28): Please clear.<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076464 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | Updated documentation/clarification provided. The file is missing the [redacted] K1 for the entity included in the income qualification. |  |  |  | Reviewer Comment (2025-01-29): K1's provided<br>Seller Comment (2025-01-29): [redacted]-[redacted]k1<br>Seller Comment (2025-01-29): [redacted]<br>Reviewer Comment (2025-01-28): Condition cannot be cleared without receipt of the K1's for the entities used to qualify. Condition is valid and remains open<br>Seller Comment (2025-01-28): Please clear.<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | 34076465 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | Updated documentation/clarification provided. The file is missing the [redacted] K1 for the entity included in the income qualification. |  |  |  | Reviewer Comment (2025-01-29): K1's provided<br>Seller Comment (2025-01-29): [redacted]-[redacted k1<br>Seller Comment (2025-01-29): [redacted]<br>Reviewer Comment (2025-01-28): Condition cannot be cleared without receipt of the K1's for the entities used to qualify. Condition is valid and remains open<br>Seller Comment (2025-01-28): Please clear.<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8991076 | 8991076 | 8991076 | 34076471 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-16): Waived on Rate Lock: Collateral cleared by [redacted]<br>Seller Comment (2024-12-12): (Rate Lock) Note [redacted] [redacted]. Delivered on [redacted]<br>| 12/16/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8991076 | 8991076 | 8991076 | 34076472 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-11): Sufficient Cure Provided At Closing<br>|  | 12/11/2024 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8991076 | 8991076 | 8991076 | 34076475 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Life Floor Does not Agree with Schedule SCH: MISSING :NOTE: [redacted] |  |  |  | Buyer Comment (2024-12-16): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 12/16/2024 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993233 | 8993233 | 8993233 | 34076493 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-29): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993233 | 8993233 | 8993233 | 34076497 |  | 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. | Loan Discount Points was last disclosed as $[redacted] on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-01-21): [redacted] received CD dated [redacted] and rebuttal comment. Pricing updated due to lock extension.<br>Seller Comment (2025-01-20): Disagree: Please review attached Rate Lock Request sheet(s), Change of Circumstance request form(s), and LE/CD(s). Reason for pricing increase: Initially the discount points were disclosed as $[redacted] then a [redacted] day lock extension was added on [redacted] disclosed in the amount of $[redacted]causing pricing to get worse.<br>Seller Comment (2025-01-20): Disagree: Please review attached Rate Lock Request sheet(s), Change of Circumstance request form(s), and LE/CD(s). Reason for pricing increase: Initially the discount points were disclosed as $[redacted]then a [redacted] day lock extension was added on [redacted] disclosed in the amount of $[redacted]causing pricing to get worse.<br>| 01/21/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993233 | 8993233 | 8993233 | 34076498 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 01/17/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993233 | 8993233 | 8993233 | 34076500 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/17/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993233 | 8993233 | 8993233 | 34076501 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-06): Secondary valuation provided<br>Seller Comment (2025-02-06): [redacted]: CDA.<br>| 02/06/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993253 | 8993253 | 8993253 | 34076509 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993253 | 8993253 | 8993253 | 34076511 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 01/07/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993253 | 8993253 | 8993253 | 34076513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-29): [redacted] received COC and UW approval for increase in appraisal fee due to requirement of rent schedule and received LOE for bifurcating the Appraisal fee.<br>Seller Comment (2025-01-26): The underwriter conditioned for receipt or 1007 to be provided for the rental income coming from other real estate owned. The broker was unable to obtain receipts and added 1007.<br>Reviewer Comment (2025-01-23): [redacted]: The LE & COC that was provided in the trailing images was also provided in the original loan package. But Appraisal [redacted] fee in the amount of $[redacted]added on LE dated [redacted] and provided corresponding COC does not give sufficient information as to why the [redacted]nd appraisal fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added 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>Seller Comment (2025-01-20): Please see the attached Change in Circumstance, Underwriting condition, and Loan Estimate.<br>Seller Comment (2025-01-20): Disagree - On [redacted] the UW conditioned for the rent schedule to be provided causing the appraisal fee to increase. The broker submitted a CofC on the same day and an LE went out to the borrower to redisclose the fee. Please see the attached Change in Circumstance, Underwriting condition, and Loan Estimate.<br>Reviewer Comment (2025-01-13): [redacted] received Letter of Explanation for the appraisl fee split into $[redacted] and $[redacted]on LE dated [redacted]. However, please see doc<br> ID [redacted] initial LE dated [redacted] the Appraisal fee disclosed of $[redacted]and increased to $[redacted]on LE dated [redacted]. But, provided corresponding COC does not give sufficient information on what impacts and why the fee was increased. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received, or Cure would be due to borrower.<br>Seller Comment (2025-01-09): Please see attached Attestation Letter<br>| 01/29/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993253 | 8993253 | 8993253 | 34076514 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/07/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076540 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-26): Fedex tracking reference number.<br>Seller Comment (2024-12-17): Correction: My mistake, this is requesting information for the Note, which is required pre-purchase, not the Mortgage. I will provide information when obtained.<br>Seller Comment (2024-12-17): Correspondent loan, our client is not required to submit the final mortgage until we've purchased the loan.<br>| 01/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076541 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/16/2024 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2024-12-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-12-24): Corrected CD attached, see page 4.<br>|  | 12/24/2024 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  | Reviewer Comment (2024-12-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-12-24): Corrected CD attached, see page 4.<br>|  | 12/24/2024 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076545 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2024-12-16): Sufficient Cure Provided At Closing<br>|  | 12/16/2024 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076546 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-12-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-12-24): Corrected CD attached, see page 4.<br>|  | 12/24/2024 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076547 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-12-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-12-24): Corrected CD attached, see page 4.<br>|  | 12/24/2024 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076548 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [redacted] |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993441 | 8993441 | 8993441 | 34076549 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Updated condition: Subject is located in a FEMA disaster area with a declaration date of [redacted]. A disaster declaration end date has not been identified yet. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-01-21): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-01-17): CDAIR<br>|  |  | 01/21/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003019 | 9003019 | 9003019 | 34076551 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-07): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/07/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003019 | 9003019 | 9003019 | 34076555 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-04): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] tm: attached<br>| 02/04/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003019 | 9003019 | 9003019 | 34076556 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Updated condition: Subject is located in a FEMA disaster area with a declaration date of [redacted]. A disaster declaration end date has not been identified yet. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-10): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached.<br>|  |  | 02/10/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003774 | 9003774 | 9003774 | 34076558 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-24): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/24/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003774 | 9003774 | 9003774 | 34076559 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization Purposes. The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-01-21): Secondary valuation provided<br>Seller Comment (2025-01-21): [redacted] tm: correct CDA attached<br>Reviewer Comment (2025-01-21): Provided CDA report is for different property, required CDA report for subject property. Exception Remains.<br>Seller Comment (2025-01-17): [redacted] tm: attached<br>| 01/21/2025 |  |  | 1<br> D<br> A |  | [Redacted] | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003774 | 9003774 | 9003774 | 34076560 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster that does not have a declared end date [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-11): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached.<br>|  |  | 02/11/2025 | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003772 | 9003772 | 9003772 | 34076562 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-20): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 02/20/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003772 | 9003772 | 9003772 | 34076567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-14): [redacted] received valid rate lock document.<br>Seller Comment (2025-02-13): CT [redacted]: Please see attached Rate Lock Request and corresponding disclosure. On [redacted] the lock was extended, affecting the LLPA, negative pricing disclosed to the borrower on the [redacted] Closing Disclosure.<br>| 02/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9003772 | 9003772 | 9003772 | 34076572 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-19): CDA provided<br>Seller Comment (2025-02-19): [redacted]: Attached.<br>| 02/19/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003772 | 9003772 | 9003772 | 34076573 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | The guidelines require [redacted] months statements for the assets. The file contained [redacted] months' statement, with an end date of [redacted]. |  |  |  | Reviewer Comment (2025-02-13): This account not used to qualify. Exception Cleared.<br>Seller Comment (2025-02-13): [redacted] tm: This account was not provided for cash to close and should not be needed. Please remove from available assets and clear exception if not needed.<br>| 02/13/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076574 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-13): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/13/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM |  |  |  | Reviewer Comment (2025-02-03): Received updated AUS and 1008 with additional income. DTI match with AUS. Exception Cleared.<br>Seller Comment (2025-01-31): (Rate Lock) Updated DU 1003 1008<br>Reviewer Comment (2025-01-17): In order to re-review based on additional income, provide a revised 1003, 1008 and DU approval including the additional income. Once received, the additional income will be reviewed and the DTI recalculated if fully documented. Condition remains<br>Seller Comment (2025-01-16): (Rate Lock) UW LOE on DTI calculation<br>Reviewer Comment (2025-01-08): Lease agreement and proof of PITIA provided. The documentation provided verified a higher PITIA for the departure and a larger net rental income loss than what the lender used to qualify. The lender qualified the borrower with the PITIA of [redacted] and net rental loss of [redacted]; however the documentation provided verified a PITIA of [redacted] (includes [redacted] HOA dues not previously disclosed) and net rental loss of [redacted] ([redacted] lease agreement x [redacted]% = [redacted]- [redacted] PITIA). As a result, the DTI exceeds the guideline max.<br>Reviewer Comment (2025-01-08): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Seller Comment (2025-01-07): (Rate Lock) ATR/QM<br>| 02/03/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO [redacted]% Method | General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement is missing in the file. |  |  |  | Reviewer Comment (2025-01-08): Lease agreement and proof of PITIA provided<br>Seller Comment (2025-01-07): (Rate Lock) Lease Agreement<br>| 01/08/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076582 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the departure residence and a copy of the lease agreement. |  |  |  | Reviewer Comment (2025-01-08): Lease agreement and proof of PITIA provided<br>Seller Comment (2025-01-07): (Rate Lock)[redacted] months PITIA<br>Seller Comment (2025-01-07): (Rate Lock) Lease Agreement and Current Mortgage Statements<br>| 01/08/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076583 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lease agreement and proof of PITIA provided. The documentation provided verified a higher PITIA for the departure and a larger net rental income loss than what the lender used to qualify. The lender qualified the borrower with the PITIA of [redacted] and net rental loss of [redacted]; however the documentation provided verified a PITIA of [redacted] (includes [redacted] HOA dues not previously disclosed) and net rental loss of [redacted] ([redacted] lease agreement x [redacted]% = [redacted]- [redacted] PITIA). As a result, the DTI exceeds the guideline max. |  |  |  | Reviewer Comment (2025-02-03): Received updated AUS and 1008 with additional income. DTI match with AUS. Exception Cleared.<br>Seller Comment (2025-01-31): (Rate Lock) Updated DU 1003 1008<br>| 02/03/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lease agreement and proof of PITIA provided. The documentation provided verified a higher PITIA for the departure and a larger net rental income loss than what the lender used to qualify. The lender qualified the borrower with the PITIA of [redacted] and net rental loss of [redacted]; however the documentation provided verified a PITIA of [redacted] (includes [redacted] HOA dues not previously disclosed) and net rental loss of [redacted] ([redacted] lease agreement x [redacted]% = [redacted]- [redacted] PITIA). As a result, the DTI exceeds the guideline max. |  |  |  | Reviewer Comment (2025-02-03): Received updated AUS and 1008 with additional income. DTI match with AUS. Exception Cleared.<br>Seller Comment (2025-01-31): (Rate Lock) Updated DU 1003 1008<br>Reviewer Comment (2025-01-17): In order to re-review based on additional income, provide a revised 1003, 1008 and DU approval including the additional income. Once received, the additional income will be reviewed and the DTI recalculated if fully documented. Condition remains<br>Seller Comment (2025-01-16): (Rate Lock) UW LOE on DTI<br>| 02/03/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | 34076585 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Condition will be cleared when all QM conditions are cleared |  |  |  | Reviewer Comment (2025-02-03): Received updated AUS and 1008 with additional income. DTI match with AUS. Exception Cleared.<br>Reviewer Comment (2025-01-17): In order to re-review based on additional income, provide a revised 1003, 1008 and DU approval including the additional income. Once received, the additional income will be reviewed and the DTI recalculated if fully documented. Condition remains<br>Seller Comment (2025-01-16): (Rate Lock) UW LOE on DTI<br>| 02/03/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | 34076586 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-22): Waived on Rate Lock: Collateral cleared by Custodian<br>| 01/22/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | 34076588 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-11): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached. | Reviewer Comment (2025-02-11): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached. | Reviewer Comment (2025-02-11): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-10): Please see attached. | 02/11/2025 | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | 34076590 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 01/10/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | 34076592 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 01/10/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | 34076593 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-03): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] tm: attached<br>| 02/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006537 | 9006537 | 9006537 | 34076594 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-10): Waived on Rate Lock: Collateral cleared by Custodian<br>| 02/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006537 | 9006537 | 9006537 | 34076596 |  | 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 has a coverage amount of $[redacted] this is less than the note amount of $[redacted] Please provide an updated title Commitment or final title. |  |  |  |  |  |  | 02/04/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9006537 | 9006537 | 9006537 | 34076598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-04): Sufficient Cure Provided At Closing<br>|  | 02/04/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076600 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-04): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 02/04/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076602 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted] is less than Cash from Borrower $[redacted]. Missing bank statement for [redacted] accounts ending in [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-02-04): Received bank statement. Asset requirement met. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] statements<br>| 02/04/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076603 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Missing bank statement for [redacted] accounts ending in [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-02-04): Received bank statement. Asset requirement met. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] statements uploaded to other condition<br>| 02/04/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076604 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-02-04): Received bank statement. Asset requirement met. Exception Cleared.<br>Seller Comment (2025-02-03): Assets uploaded to other condition.<br>| 02/04/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-02-04): Received bank statement. Asset requirement met. Exception Cleared.<br>Seller Comment (2025-02-03): Assets uploaded to other condition.<br>| 02/04/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9011314 | 9011314 | 9011314 | 34076607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 01/30/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9013636 | 9013636 | 9013636 | 34076608 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-29): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 01/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9013636 | 9013636 | 9013636 | 34076611 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-03): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] tm: attached<br>| 02/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9021924 | 9021924 | 9021924 | 34076612 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-04): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 02/04/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9021924 | 9021924 | 9021924 | 34076615 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-01-31): [redacted] received [redacted] Initial CD, [redacted] business days prior to the consummation.<br>Seller Comment (2025-01-30): [redacted]: Please see the attached Closing Disclosure<br>| 01/31/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9021924 | 9021924 | 9021924 | 34076616 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-01-28): Sufficient Cure Provided At Closing<br>|  | 01/28/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9021924 | 9021924 | 9021924 | 34076617 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-03): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-03): [redacted] tm: attached<br>| 02/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9029772 | 9029772 | 9029772 | 34076618 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-11): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 02/11/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9029772 | 9029772 | 9029772 | 34076621 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2025-02-12): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-12): [redacted] - See attached CDA<br>| 02/12/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9029772 | 9029772 | 9029772 | 34076622 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-12): Received CDA. Exception Cleared.<br>| 02/12/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9044286 | 9044286 | 9044286 | 34076624 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 03/12/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9044286 | 9044286 | 9044286 | 34076626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | [redacted] 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. |  |  |  | Reviewer Comment (2025-03-24): [redacted] received additional information and rate lock confirming the pricing change for a valid changed circumstance.<br>Seller Comment (2025-03-22): [redacted] : Please see attached Rate Lock sheets and corresponding disclosure, on [redacted] the lock was extended, negative pricing disclosed on the [redacted] CD<br>Seller Comment (2025-03-22): [redacted]: Please see attached Rate Lock sheets and corresponding disclosure, on [redacted] the lock was extended, negative pricing disclosed on the [redacted] CD<br>| 03/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9044286 | 9044286 | 9044286 | 34076627 |  | 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. | [redacted]% tolerance was exceeded by $[redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-03-24): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-03-22): [redacted] : Please see the attached FSS<br>| 03/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9044286 | 9044286 | 9044286 | 34076629 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-03-12): Received CDA. Exception Cleared.<br>Seller Comment (2025-03-12): [redacted] tm: attached<br>| 03/12/2025 |  |  | 1<br> D<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9044286 | 9044286 | 9044286 | 34076630 |  | 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<br>|  | 03/24/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9046680 | 9046680 | 9046680 | 34076632 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-21): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 03/21/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9046680 | 9046680 | 9046680 | 34076634 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing mortgage statement for property located at [redacted] to verify PITI |  |  |  | Reviewer Comment (2025-03-19): Received Mortgage Statement, Hazard Insurance & Tax Certificate. Exception Cleared.<br>Seller Comment (2025-03-18): (Rate Lock) REO Docs and Appraisal Valuation<br>| 03/19/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9046680 | 9046680 | 9046680 | 34076636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted] (e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  | 03/18/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9046680 | 9046680 | 9046680 | 34076639 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  | 03/18/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9050759 | 9050759 | 9050759 | 34076640 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-26): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 02/26/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050759 | 9050759 | 9050759 | 34076642 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  | 02/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076644 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-18): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 03/18/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076646 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/12/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076649 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM disclosure in file was only 1 page and was not dated to determine the date it was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-14): Proof of receipt of the disclosure was provided<br>Seller Comment (2025-04-11): see attached highlighted disclosure tracking which shows when arm disclosure was sent and received by borrower<br>| 04/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076650 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-04-21): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2025-04-21): CT 4/21: Please see the attached LOX, PCCD, Check, and proof of delivery<br>|  | 04/21/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076651 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-04-02): Received CDA. Exception Cleared.<br>Seller Comment (2025-04-02): 04/02/25 - [redacted]: Please see attached.<br>| 04/02/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076652 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | 04/21/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9050771 | 9050771 | 9050771 | 34076653 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | 04/21/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9054417 | 9054417 | 9054417 | 34076654 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 03/05/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9054417 | 9054417 | 9054417 | 34076657 |  | 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 (2025-02-26): Sufficient Cure Provided At Closing<br>|  | 02/26/2025 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9054417 | 9054417 | 9054417 | 34076658 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan amount is $[redacted] or greater and a second full appraisal was not provided as required by guidelines. |  | The file was missing the 2nd full appraisal required per the guidelines. |  |  |  | Reviewer Comment (2025-03-03): [redacted] nd full appraisal provided<br>Seller Comment (2025-03-03): [redacted] tm: attached<br>| 03/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9054989 | 9054989 | 9054989 | 34076659 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-24): Waived on Rate Lock: Collateral cleared by [redacted]Custodian<br>Seller Comment (2025-02-20): Note Tracking - FedEx #[redacted], original delivered today.<br>| 02/24/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9054989 | 9054989 | 9054989 | 34076661 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 02/13/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9054989 | 9054989 | 9054989 | 34076662 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on [redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Final CD disclosed an escrow holdback of $[redacted] to the lender paid by the seller. |  |  |  | Reviewer Comment (2025-02-13): Holdback agreement in file and proof funds were disbursed to the seller in the initial file.<br>| 02/13/2025 |  |  | 1<br> D<br> A |  | [Redacted] | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9054989 | 9054989 | 9054989 | 34076663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  | 02/13/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9067484 | 9067484 | 9067484 | 34076665 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-01): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 04/01/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9067484 | 9067484 | 9067484 | 34076667 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount(no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/27/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9067484 | 9067484 | 9067484 | 34076668 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  | 03/27/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9067484 | 9067484 | 9067484 | 34076669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  | 03/27/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993473 | 8993473 |  | 34076682 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Earlier receipt of Closing Disclosure was not provided. |  |  |  | Reviewer Comment (2025-01-29): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-01-29): Acknowledgement of CD/Disclosure Tracking<br>| 01/29/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993473 | 8993473 |  | 34076683 |  | 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 Credits Fee was disclosed as [redacted] on Initial LE and [redacted] on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-14): [redacted] received PCCD. LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-13): The lender provided their Fee Worksheet showing the non rounded amount from the LE - it was uploaded on [redacted] as well, please re-review<br>Reviewer Comment (2025-02-12): [redacted] Received Cure Docs for [redacted]; however, overall cure required is [redacted]. Provide Cure Docs for [redacted] or provide supporting documents for Lender Credit round off amount on LE.<br>Buyer Comment (2025-02-12): LOE, PCCD, refund check and tracking<br>Buyer Comment (2025-02-12): Fee worksheet - per lender: "Attached is cure and the fee sheet to show original lender credit amount that was rounded up on the LE/CD."<br>|  | 02/14/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 8993473 | 8993473 |  | 34076685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Incomplete Fraud Report is available in file. Complete fraud report is missing in file |  |  |  | Reviewer Comment (2025-01-31): Fraud Report received. Exception Cleared<br>Buyer Comment (2025-01-29): Fraud report<br>| 01/31/2025 |  |  | 1<br> C<br> A<br> D |  | [Redacted] | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 8993473 | 8993473 |  | 34076690 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Cert to verify monthly tax expenses used to qualify. |  |  |  | Reviewer Comment (2025-01-30): Received Tax cert with tax rate and special assessment. Exception Cleared<br>Buyer Comment (2025-01-29): Tax Cert<br>| 01/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9075274 | 9075274 | 9075274 | 34076691 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-07): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 04/07/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9075274 | 9075274 | 9075274 | 34076693 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Please provide additional consecutive statement. AUS required [redacted] months |  |  |  | Reviewer Comment (2025-04-09): Received bank Statement. Exception Cleared.<br>Seller Comment (2025-04-08): [redacted] months is required on depository accounts but not on Retirement account. [redacted] Financial is an Annuity account and would only require a recent statement.<br>| 04/09/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076695 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-18): Waived on Rate Lock: Collateral cleared by [redacted]<br>Seller Comment (2025-04-09): Note delivered via ups [redacted]<br>| 04/18/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076696 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing Copy of Tax verification |  |  |  | Reviewer Comment (2025-04-14): Taxes considered from schedule E. Exception Cleared.<br>Seller Comment (2025-04-14): In [redacted], when the property is rented out the tenants pay for any council (property) taxes<br>Reviewer Comment (2025-04-08): Corrected address; however the file is still missing documentation to verify the property expenses of $[redacted]/month used to qualify. Condition remains<br>Seller Comment (2025-04-07): Property located in [redacted], not [redacted]<br>| 04/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076697 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence to delivery of the appraisal to the borrowers. |  |  |  |  |  |  | 04/03/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076698 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence to delivery of the appraisal to the borrowers. |  |  |  |  |  |  | 04/03/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Initial Closing Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2025-04-07): [redacted] received initial CD.<br>Seller Comment (2025-04-07): Initial CD<br>| 04/07/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | No Defined Cure<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-15): Refund<br>Reviewer Comment (2025-04-07): [redacted] received initial CD. However, we would also require a valid COC for the Appraisal Rush fee added on CD dated [redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-04-07): Initial CD<br>|  | 04/16/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076701 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 04/03/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | 34076702 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Closing Date Does Not Agree with Schedule SCH:[redacted] :NOTE:[redacted]<br> Loan Amount does not agree with Schedule SCH: [redacted] :NOTE:[redacted]<br> Interest Rate does not agree with Schedule SCH: [redacted] :NOTE:[redacted]<br> Date of First Payment does not agree with Schedule SCH: [redacted] :NOTE:[redacted]<br> Date of Last Payment does not agree with Schedule SCH: [redacted] :NOTE:[redacted] |  |  |  | Buyer Comment (2025-04-18): Waived on Rate Lock: Collateral cleared by [redacted]<br>Seller Comment (2025-04-17): Amortization Schedule<br>| 04/18/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076709 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-15): Waived on Rate Lock: Collateral cleared by [redacted]<br>| 04/15/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076712 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing<br>|  | 04/11/2025 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076713 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-04-24): Received updated 1003, 1008 and AUS with revised income. Exception Cleared.<br>Reviewer Comment (2025-04-14): An additional copy of the compliance report was provided. This will not clear the condition. The DTI exceeds the guideline max resulting in a designation mismatch. Condition will be cleared when all QM/ATR/Guideline conditions are cleared. Condition remains<br>Seller Comment (2025-04-14): (Rate Lock) compliance review<br>| 04/24/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076714 |  | 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 lender did not include the Title - Sales Tax Settlement fee of $[redacted] in the finance charge/amount financed testing. |  |  |  | Reviewer Comment (2025-04-14): Title Sales tax excluded from finance charges<br>| 04/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076715 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The lender did not include the Title - Sales Tax Settlement fee of $[redacted] in the finance charge/amount financed testing. |  |  |  | Reviewer Comment (2025-04-14): Title Sales tax excluded from finance charges<br>Reviewer Comment (2025-04-14): From: [redacted]<br> Sent: [redacted]<br> To: [redacted]<br> Cc: [redacted]<br> Subject: redacted]<br>Good Afternoon<br> Can you please look at the below condition?<br>TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). (Final/[redacted])<br> EXCEPTION INFO: The lender did not include the Title - Sales Tax Settlement fee of $[redacted] in the finance charge/amount financed testing.<br>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]). (Final/[redacted])<br> EXCEPTION INFO: The lender did not include the Title - Sales Tax Settlement fee of $[redacted]in the finance charge/amount financed testing.<br>Sales Tax is not to be included in the financed charges<br>Thank you<br>[redacted]<br> LOAN RESOLUTION ASSOCIATE III<br> P [redacted]<br> [redacted]@[Redacted].com<br>[redacted]<br> [redacted] • [redacted] • NMLS ID#[redacted]<br> [redacted]<br>| 04/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076716 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | Excessive DTI. |  |  |  |  |  |  | 04/11/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on 1026.43(e) of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the guidelines, [redacted] ARM's are required to be qualified using the Greater of the fully indexed rate or the Note Rate + [redacted]%. The lender qualified using a rate of [redacted]% and not [redacted]%. As a result, the DTI exceeds the guideline max of [redacted]%. |  |  |  | Reviewer Comment (2025-04-24): Received updated 1003, 1008 and AUS with revised income. Exception Cleared.<br>Reviewer Comment (2025-04-22): The revised 1008 and other docs will not clear the condition. The lender used a qualifying rate of [redacted]% and the guidelines require the qualifying rate of [redacted]%. Using the guideline required qualifying rate, the DTI is > the guideline max DTI of [redacted]%. The condition is valid and remains open.<br>Seller Comment (2025-04-21): (Rate Lock) aus/1003/1008<br>| 04/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076718 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Per the guidelines, [redacted] ARM's are required to be qualified using the Greater of the fully indexed rate or the Note Rate + [redacted]%. The lender qualified using a rate of [redacted]% and not [redacted]%. As a result, the DTI exceeds the guideline max of [redacted]%. |  |  |  | Reviewer Comment (2025-04-24): Received updated [redacted],[redacted] and AUS with revised income. Exception Cleared.<br>Seller Comment (2025-04-23): (Rate Lock) I see the qual rate is correct and DTI [redacted]/[redacted]<br>| 04/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | 34076719 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-04-24): Received updated [redacted],[redacted] and AUS with revised income. Exception Cleared.<br>| 04/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9092596 | 9092596 | 9092596 | 34076722 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-16): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/16/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9092596 | 9092596 | 9092596 | 34076725 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide a copy of the tax certificate used to qualify the borrower, there was a tax estimate calculator provided, however the amount used by the lender is much higher. |  |  |  | Reviewer Comment (2025-04-16): Received Tax Certificate with millage rate. Exception Cleared.<br>Seller Comment (2025-04-15): Attached is an email from escrow with the millage rate and calcs<br> used annotated. Tax calculator was also provided but UW<br> used the more conservative approach with millage calcs.<br>| 04/16/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9092596 | 9092596 | 9092596 | 34076726 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/10/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9097097 | 9097097 | 9097097 | 34076727 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by [redacted]. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-29): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/29/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9097097 | 9097097 | 9097097 | 34076729 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/25/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-02-24): Re-designated to HPQM.<br>Buyer Comment (2025-02-20): Exception from [redacted] for loan being HPQM.<br>Reviewer Comment (2025-02-14): Loan is testing as Higher Priced QM (APOR). This may be re-designated upon request.<br>Reviewer Comment (2025-02-13): Elevated to compliance.<br>Buyer Comment (2025-02-11): Pleas review<br>| 02/24/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redacted] | 9010987 | 9010987 |  | 34076738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | The Qualification Method used by the lender does not match the QM payment calculation method. 1008 reflects Greater of the fully indexed rate or the note rate + [redacted]% using [redacted] Principal & Interest. Review used qualified at the higher of the maximum potential Note rate after first<br> adjustment or the fully indexed rate. |  |  |  | Buyer Comment (2025-02-27): Informational only. Lender used incorrect quaification method.<br>Buyer Comment (2025-02-27): Exception from [[redacted]]<br>Reviewer Comment (2025-02-13): Exception regraded to EV[redacted]-B based on client deal setting on the severity rating which grades as EV[redacted] if the lender used the incorrect method, regardless of whether it yields a DTI that is greater or less than that which was prescribed. Loan is HPQM (APOR).<br>Buyer Comment (2025-02-11): see updated AUS<br>|  |  | 02/27/2025 | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076739 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Require 2023 1040 Transcript for co-borrower. Using 1 year of Self-Employed income. [redacted] |  |  |  | Reviewer Comment (2025-02-10): Received [redacted] Transcript for [redacted] for [redacted] year average income used for qualification. Exception cleared<br>Buyer Comment (2025-02-07): [redacted] Transcripts<br>| 02/10/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076742 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet not provided in the file. |  |  |  | Reviewer Comment (2025-02-10): Income Calculation worksheet received for both borrower. exception cleared<br>Buyer Comment (2025-02-07): Income calc<br>| 02/10/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076743 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet not provided in the file. |  |  |  | Reviewer Comment (2025-02-10): Income Calculation worksheet received for both borrower. exception cleared<br>Buyer Comment (2025-02-07): Income calc<br>| 02/10/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076744 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business Acc #[redacted]. |  |  |  | Reviewer Comment (2025-02-26): CPA letter provided.<br>Buyer Comment (2025-02-22): CPA Letter<br>Reviewer Comment (2025-02-20): Received P&L, Balance sheet and Business Bank statement # [redacted], however require CPA letter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business Acc #[redacted] & [redacted]. Exception Remains<br>Buyer Comment (2025-02-20): P&L<br>Reviewer Comment (2025-02-12): Lender confirm no Business asset used for qualification however File is missing following asset which are reported in Final 1003/AUS. as of now without using Business funds Cash to close requirement are not met.<br> 1 Retirement account #[[redacted]] with balance of [redacted]<br> 2. Retirement account with balance of [redacted]<br> 3 [redacted] account # [redacted] with balance of [redacted]<br> 4. [redacted] account [redacted] with Balance of [redacted]<br> 5 Money market account from [redacted] with balance of [redacted]<br>Buyer Comment (2025-02-11): LOX<br>| 02/26/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076745 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business Acc #[redacted]. |  |  |  | Reviewer Comment (2025-02-26): CPA letter provided.<br>Reviewer Comment (2025-02-20): Received P&L, Balance sheet and Business Bank statement # [redacted], however require CPA letter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business Acc #[redacted] & [redacted]. Exception Remains<br>Buyer Comment (2025-02-20): P&L and Statements<br>Reviewer Comment (2025-02-12): Lender confirm no Business asset used for qualification however File is missing following asset which are reported in Final 1003/AUS. as of now without using Business funds Cash to close requirement are not met.<br> 1 Retirement account #[redacted] with balance of [redacted]<br> 2. Retirement account with balance of [redacted]<br> 3 [redacted] account # [redacted] with balance of [redacted]<br> 4. [redacted] account [redacted] with Balance of [redacted]<br> 5 Money market account from [redacted] with balance of [redacted]<br>Buyer Comment (2025-02-11): see LOX. Funds not used<br>| 02/26/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076746 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AUS reran with the correct credit report ID [redacted] dated [redacted], currently reflects credit report ID [redacted] dated [redacted]. |  |  |  | Reviewer Comment (2025-02-12): Updated AUS received With Correct Credit report dated [redacted]. Exception Cleared<br>Buyer Comment (2025-02-11): AUS with updated credit report<br>| 02/12/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076747 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-02-10): Flood Insurance verification received. Exception cleared<br>Buyer Comment (2025-02-07): Flood<br>| 02/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9010987 | 9010987 |  | 34076748 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Exception provided. Re-designated HPQM |  |  |  | Buyer Comment (2025-02-24): Acknowledged as non-material. Buyer approved HPQM<br>|  |  | 02/24/2025 | 2<br> A<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076749 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-16): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/16/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076751 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation |  |  |  |  |  |  | 04/14/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076752 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)([redacted])(iv), but the method did not render a DTI that is less than that prescribed under ATR. | General QM Provision Investor Qual Method differs from ATR, DTI not Understated |  |  |  |  |  |  | 04/14/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076754 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Seller paid fees on the seller's closing disclosure are not consistent with those on the borrower's final closing disclosure. |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided At Closing<br>|  | 04/14/2025 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076755 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. | ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  | Reviewer Comment (2025-04-22): Earlier disclosure provided<br>Seller Comment (2025-04-21): Documents were disclosed in time. Borrower never returned physical initial disclosure package sent on [redacted]so they were resent electronically on [redacted].<br>| 04/22/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076756 |  | 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 ([redacted]) business days of application. | Initial LE provided and after review, the file is missing proof of earlier receipt of the disclosure within [redacted]business days of the application date. |  |  |  | Reviewer Comment (2025-04-24): Earlier disclosure provided. Exception cleared.<br>Seller Comment (2025-04-23): Same as other condition. Disclosures were issued on time, borrower did not return physical package.<br>| 04/24/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | 34076757 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three ([redacted]) business days of application. | Initial LE provided and after review, the file is missing proof of earlier receipt of the disclosure within [redacted]business days of the application date. |  |  |  | Reviewer Comment (2025-04-24): Earlier disclosure provided. Exception cleared.<br>Seller Comment (2025-04-23): See documents uploaded to other condition.<br>| 04/24/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | 34076758 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-21): (Rate Lock) note tracking [redacted]<br>| 04/22/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | 34076759 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - |  |  |  |  | Reviewer Comment (2025-04-22): There are no HOA dues on the REO. Revised [redacted] and [redacted] provided<br>Seller Comment (2025-04-22): (Rate Lock) No HOA Dues<br>Seller Comment (2025-04-22): (Rate Lock) No HOA Dues - error made was using the subject property HOA Dues.<br>Reviewer Comment (2025-04-22): LOE provided stating there are no HOA dues on the property; however the final [redacted]identified $[redacted]in "Monthly Insurance, Taxes, Association Dues, etc.." and unable to determine this expense. Note: the mortgage statement in file verified the taxes and insurance were included in the $[redacted]mortgage payment. Provide documentation verifying the additional $[redacted] expenses or revised [redacted] and [redacted] excluding the additional expense. Condition remains<br>Seller Comment (2025-04-21): (Rate Lock) NO HOA Dues<br>| 04/22/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | 34076761 |  | 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 ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 04/18/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | 34076762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under [redacted](e)([redacted])(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 04/18/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | 34076763 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-18): Sufficient Cure Provided At Closing<br>|  | 04/18/2025 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9110181 | 9110181 | 9110181 | 34076765 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/22/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9110181 | 9110181 | 9110181 | 34076767 |  | 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 ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/16/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9110454 | 9110454 | 9110454 | 34076769 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian<br>| 05/01/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9110454 | 9110454 | 9110454 | 34076771 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Per the guidelines, a Collateral Desktop Analysis report (CDA) from Clear Capital is required. The desk review is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-05-01): Received CDA. Exception Cleared.<br>Seller Comment (2025-05-01): [redacted] tm: Attached<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9110454 | 9110454 | 9110454 | 34076773 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/29/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9111461 | 9111461 | 9111461 | 34076779 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/22/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9111461 | 9111461 | 9111461 | 34076781 |  | 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 preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/17/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9111461 | 9111461 | 9111461 | 34076783 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | The file contained one months' statement for the stock account ending [redacted]. However, the guidelines require two months statements. |  |  |  | Reviewer Comment (2025-04-23): Additional statement provided<br>Seller Comment (2025-04-23): [redacted]: Please see the attached January [redacted]statement for the borrower's Fidelity portfolio.<br>Reviewer Comment (2025-04-21): The AUS is not used to qualify for this loan program. Per the guidelines, two months statements are required for all assets. The condition is valid and remains open<br>Seller Comment (2025-04-18): [redacted]: Please note that line item #[redacted]from the AUS findings states that "when fully vested stock or bond account(s) are needed to support the amount of funds required for reserves or funds to close, the lender can document the value with a current brokerage account statement or a copy of the stock certificate accompanied by a dated newspaper stock list." The AUS findings do not require a [redacted]-month statement for a stock or retirement account.<br>| 04/23/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9113526 | 9113526 | 9113526 | 34076784 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-25): Waived on Rate Lock: Collateral cleared by Custodian<br>| 04/25/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9113526 | 9113526 | 9113526 | 34076786 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  | Reviewer Comment (2025-04-25): Received Closing Statement & Seller CD. Exception Cleared.<br>Seller Comment (2025-04-24): Sale Proceeds from sale of REO<br>| 04/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9113526 | 9113526 | 9113526 | 34076787 |  | 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 ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  | 04/22/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9113526 | 9113526 | 9113526 | 34076789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. (Initial/[redacted]) |  |  |  | Reviewer Comment (2025-04-25): [redacted] received initial CD.<br>Seller Comment (2025-04-24): disclosed initial CD dated [redacted]<br>| 04/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9048607 | 9048607 |  | 34076791 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | QM Points and Fees threshold exceeded by $[redacted] or [redacted]%. EV2 informational exception. |  |  |  | Buyer Comment (2025-03-07): Acknowledged non material<br>|  |  | 03/07/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| [Redacted] | 9048607 | 9048607 |  | 34076793 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Require verification of rent for both borrower's current rental residence "[redacted]". |  |  |  | Reviewer Comment (2025-03-10): Received credit supplement verifying rental history. exception cleared<br>Buyer Comment (2025-03-10): VOR is reporting on Credit Report.<br>| 03/10/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redacted] | 9048607 | 9048607 |  | 34076795 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the lender's QM testing. |  |  |  | Reviewer Comment (2025-03-10): Cleared. Testing provided<br>Buyer Comment (2025-03-10): Compliance report<br>| 03/10/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redacted] | 9118380 | 9118380 | 9118380 | 34076797 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian<br>| 05/14/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9118380 | 9118380 | 9118380 | 34076799 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-05-12): Secondary valuation provided<br>Seller Comment (2025-05-09): [redacted] - [redacted]: Please see attached.<br>| 05/12/2025 |  |  | 1<br> D<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9118380 | 9118380 | 9118380 | 34076800 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 05/07/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9118380 | 9118380 | 9118380 | 34076802 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing<br>|  | 05/07/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9119168 | 9119168 | 9119168 | 34076803 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-30): Waived on Rate Lock: Collateral cleared by Custodian<br>| 05/30/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9119168 | 9119168 | 9119168 | 34076805 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-05-30): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-05-29): Fraud Report<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9119168 | 9119168 | 9119168 | 34076806 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-05-30): Received Fraud Report. Exception Cleared.<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9119168 | 9119168 | 9119168 | 34076809 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing<br>|  | 05/20/2025 |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9119168 | 9119168 | 9119168 | 34076810 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted])business days from transaction date of[redacted]. | Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  | Reviewer Comment (2025-06-03): Post-close CD and final settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-06-02): Settlement statement<br>Reviewer Comment (2025-05-30): Post-close CD provided verifying an updated disbursement date. However, the settlement statement in file identified the disbursement date as [redacted], which matched the final CD. Provide the final settlement confirming the updated disbursement date to match the post-close CD. Condition remains<br>Seller Comment (2025-05-29): PCCD<br>| 06/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9119488 | 9119488 | 9119488 | 34076811 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian<br>| 05/08/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9119488 | 9119488 | 9119488 | 34076814 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-28): Sufficient Cure Provided At Closing<br>|  | 04/28/2025 |  | 1<br> A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9119488 | 9119488 | 9119488 | 34076815 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  |  |  |  | 04/28/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9119488 | 9119488 | 9119488 | 34076816 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [redacted] |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-06): CT [redacted]: Please see the attached Note<br>| 05/08/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076817 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-06): Arrived [redacted] via UPS [redacted]<br>| 05/07/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076819 |  | 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 ([redacted]) business days prior to consummation. | The file was missing a copy of the final title policy. |  |  |  |  |  |  | 04/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076820 |  | 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 ([redacted]) business days prior to consummation. | The file was missing a copy of the final title policy. |  |  |  |  |  |  | 04/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076821 |  | 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. | Ten Percent Fee Tolerance exceeded by $[redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-06): [redacted] received corrected PCCD and LOE moving the title fees from section B to C.<br>Seller Comment (2025-05-02): The borrower DID shop for title, it was mismarked on the CD Details screen. The loan closed with a different office location than on the settlement service provider disclosure. Closed at [redacted] Street, Chicago and not [redacted]Old [redacted] Road, [redacted]. Updated PCCD, LOX and SPL provided. Please clear or advise further, thanks!<br>Seller Comment (2025-05-02): The borrower DID shop for title, it was mismarked on the CD Details screen. The loan closed with a different office location than on the settlement service provider disclosure. Closed at [redacted], [redacted] and not [redacted], [Redacted]. Updated PCCD, LOX and SPL provided. Please clear or advise further, thanks!<br>Seller Comment (2025-05-02): The borrower DID shop for title, it was mismarked on the CD Details screen. The loan closed with a different office location than on the settlement service provider disclosure. Closed at [redacted][redacted] , [redacted] and not [redacted], [redacted]. Updated PCCD, LOX and SPL provided. Please clear or advise further, thanks!<br>Reviewer Comment (2025-04-30): [redacted] received rebuttal. Verified Changed Circumstance ([redacted]) was provide stating the Recording fee(s) increased to $[redacted]from $[redacted]. This is an increase of only [redacted]% of $[redacted]. In order to re-baseline the [redacted]% fees there need to be an aggregate increase of more than [redacted]%. Provide a Corrected CD disclosing the tolerance cure of $[redacted]. A copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (2025-04-28): Initial LE [redacted]% fees total [redacted]which is within [redacted]% no tolerance cure needed. Please clear or advise further<br>Reviewer Comment (2025-04-28): [redacted] received Verified Changed Circumstance (VCC) dated [redacted]% fee(s) included in testing are (Endorsement. Abstract fee, Wire fee, Title Commitment and Recording fee) for a baseline of $[redacted]. A Verified Changed Circumstance ([redacted]) was provide stating the Recording fee(s) increased to $[redacted]. This is an increase of only with in [redacted]% from the baseline amount. In order to re-baseline the [redacted]% fees there need to be an aggregate increase of more than [redacted]%. Provide a Corrected CD disclosing the tolerance cure of $[redacted]. a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (2025-04-25): NOLC and CD<br>| 05/06/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076823 |  | Credit | TRID | General | TRID | Escrow holdbacks are present. | Escrow Holdback Amount: ___ | Upon further review, the PCCD and the final CD contained a holdback of $[redacted]to the seller. Per the guidelines, escrow holdbacks are only eligible if escrowed funds have been disbursed and a completion certificate obtained prior to deliver of loan. Provide proof the holdback funds have been disbursed. |  |  |  | Reviewer Comment (2025-05-12): Client provided additional guidance and the escrow holdback section of the guidelines is intended for repair items that will not be completed prior to closing. The holdback for the property taxes is acceptable.<br>Reviewer Comment (2025-05-12): The guideline requirement is for ALL escrow holdbacks and is not specific to repairs. A copy of the holdback agreement was received and in order to clear the condition, proof the holdback funds were disbursed is required. Condition remains<br>Seller Comment (2025-05-09): Please see attached.<br>| 05/12/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | 34076824 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on[redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Upon further review, the PCCD and the final CD contained a holdback of $[redacted]to the seller. Per the guidelines, escrow holdbacks are only eligible if escrowed funds have been disbursed and a completion certificate obtained prior to deliver of loan. Provide proof the holdback funds have been disbursed and an updated PCCD and LOE to the borrower removing the holdback funds. |  |  |  | Reviewer Comment (2025-05-12): Client provided additional guidance and the escrow holdback section of the guidelines is intended for repair items that will not be completed prior to closing. The holdback for the property taxes is acceptable.<br>Reviewer Comment (2025-05-12): The guideline requirement is for ALL escrow holdbacks and is not specific to repairs. A copy of the holdback agreement was received and in order to clear the condition, proof the holdback funds were disbursed is required. Condition remains<br>Seller Comment (2025-05-09): Please see attached.<br>| 05/12/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120629 | 9120629 | 9120629 | 34076825 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian<br>| 05/14/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 9120629 | 9120629 | 9120629 | 34076826 |  | 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 preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/07/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564045743 | 3564045743 |  | 34144945 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-18): seller accepts; no change to grading.<br>|  |  | 06/18/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562865366 | 3562865366 |  | 34144951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/03/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/03/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/03/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144954 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted]with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted] business days prior to the vcancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted]business days prior to the [redacted] cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144956 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted]business days prior to the [redacted] cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144957 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted] business days prior to the [redacted] cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144958 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]disclosed a maximum periodic principal and interest payment for payment stream [redacted] that does not match the actual maximum payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted]business days prior to the [redacted]cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144959 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a maximum periodic principal and interest payment for payment stream [redacted] that does not match the actual maximum payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted] business days prior to the [redacted] cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Buyer Comment (2025-07-03): Please see attachment uploaded to [redacted]<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144960 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a maximum periodic principal and interest payment for payment stream [redacted]that does not match the actual maximum payment for the loan. | The note indicates the Minimum/Maximum interest rate of the loan as [redacted]%/[redacted]% of while Closing disclosures reflect [redacted]%/[redacted]% |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): Please see the evidence of NORTC as well as letter in email from lender, with a new notice of right to cancel form, and borrower receipt of form<br>Reviewer Comment (2025-07-03): [redacted] received Corrected CD, LOE to borrower, Unexecutred RTCs, and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. RTC's were not executed, no proof of delivery received. Must provide proof the RTC's were provided to consumers at leaste [redacted] business days prior to the [redacted] cancel by date. Email stating when sent, does not satisfy for proof that borrower opened and received the documents.<br>Reviewer Comment (2025-07-03): correct - no reopening rescission received<br>Reviewer Comment (2025-07-03): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-03): Please see the attached.<br>|  | 07/15/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562865366 | 3562865366 |  | 34144961 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-06-26): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-06-25): Please see the attachment.<br>| 06/26/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562865366 | 3562865366 |  | 34144964 |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within [redacted] days of the Note Date or is already expired. |  |  |  |  |  | Reviewer Comment (2025-06-25): Received HOI renewal policy. Exception cleared.<br>Buyer Comment (2025-06-25): Please see the attachment.<br>| 06/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144969 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [redacted] received proof of earlier electronic receipt and lender certification confirming the status.<br>Buyer Comment (2025-06-27): So, there are only two loan estimates disclosed on [redacted]. And the tracking item screenshots provided confirm both (one issued at [redacted]pm and one issued at [redacted]pm) were attested to being received on[redacted]. That should clear this exception up by itself, but for clarity the Outstanding entry denotes when the Loan Estimates were created an accessible to the borrower on the portal, the received by user Website FYI is the borrower acknowledging the document as viewed, the cancelled by underwriter can appear due to a new loan estimate being created, which is exactly what occurred on this loan, and the cleared means the borrower has completed the acknowledgment request and it was accepted.<br>Reviewer Comment (2025-06-26): Please clarify provided documentation. The screenshots are not clear in regard to which LE they are addressing, nor are the screenshots clear in regard to the activity they are representing. What does, "cancelled by tracking," mean in regard to the screen shot? What does, "cleared by underwriter," mean and which[redacted] LE does it refer to?<br>Buyer Comment (2025-06-25): Please see the attachments.<br>| 06/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [redacted] received proof of earlier electronic receipt and lender certification confirming the status.<br>Buyer Comment (2025-06-27): So, there are only two loan estimates disclosed on[redacted]. And the tracking item screenshots provided confirm both (one issued at [redacted]pm and one issued at [redacted]pm) were attested to being received on[redacted]. That should clear this exception up by itself, but for clarity the Outstanding entry denotes when the Loan Estimates were created an accessible to the borrower on the portal, the received by user Website FYI is the borrower acknowledging the document as viewed, the cancelled by underwriter can appear due to a new loan estimate being created, which is exactly what occurred on this loan, and the cleared means the borrower has completed the acknowledgment request and it was accepted.<br>Reviewer Comment (2025-06-26): Please clarify provided documentation. The screenshots are not clear in regard to which LE they are addressing, nor are the screenshots clear in regard to the activity they are representing. What does, "cancelled by tracking," mean in regard to the screen shot? What does, "cleared by underwriter," mean and which [redacted] LE does it refer to?<br>Buyer Comment (2025-06-25): Please see the attachments.<br>| 06/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144971 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to the qualifying P&I payment. The lender states in the underwriter comments of the [redacted]that the DTI is [redacted]% and PITI is $[redacted], which aligns with the DTI/PITI determined by diligence. However, the calculated DTI of [redacted]% and PITI of $[redacted]on the [redacted]varies from the qualifying amounts as stated in the underwriter commentary. |  |  |  | Reviewer Comment (2025-07-01): Provided Updated [redacted] and [redacted] Documents. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached updated [redacted]<br>| 07/01/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144972 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-07-01): Provided Updated [redacted] and [redacted] Documents. Exception Cleared.<br>Buyer Comment (2025-06-30): Please address with updated [redacted]/[redacted] that includes IRA income that wasn't used previously as well as fidelity account removed from assets.<br>| 07/01/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144973 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-07-01): Provided Updated[redacted] and [redacted] Documents. Exception Cleared.<br>Buyer Comment (2025-06-30): Please address with updated [redacted]/[redacted] that includes IRA income that wasn't used previously as well as fidelity account removed from assets.<br>| 07/01/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562630417 | 3562630417 |  | 34144974 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-01): Provided Updated [redacted] and [redacted] Documents. Exception Cleared.<br>Buyer Comment (2025-06-30): Please address with updated [redacted]/[redacted] that includes IRA income that wasn't used previously as well as fidelity account removed from assets.<br>| 07/01/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3563635107 | 3563635107 |  | 34144975 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-25): Final Title policy received with coverage amount. Exception cleared.<br>| 06/25/2025 |  |  | 1<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563635107 | 3563635107 |  | 34144976 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-25): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-25): Please see the final title policy attached<br>| 06/25/2025 |  |  | 1<br> B<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563882554 | 3563882554 |  | 34144980 |  | 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 $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[redacted]on the Loan Estimate, but was disclosed as -$[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-26): Upon further review, appraisal review fee added with subsequent lender credit on LE and final CD.<br>Buyer Comment (2025-06-25): The final closing disclosure shows a total lender credit of $[redacted], which equates to the rounded amount shown on the LE of $[redacted]. Please clear this condition as it is invalid.<br>| 06/26/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3563391325 | 3563391325 |  | 34144981 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  | Reviewer Comment (2025-06-27): Client follows FNMA Guidelines that allow for business returns to be obtained at the same time as the business returns. [redacted]Extension was in the file.<br>Buyer Comment (2025-06-27): [redacted]returns were provided. However, per the tax extension form on page [redacted] of the loan images, the borrower has a tax extension for [redacted].<br>| 06/27/2025 |  |  | 1<br> B<br> A |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562955344 | 3562955344 |  | 34144987 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file was missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-07-03): Provided Master Policy document. Exception Cleared.<br>Buyer Comment (2025-07-02): Please see the attached HOI.<br>| 07/03/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562955344 | 3562955344 |  | 34144988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-02): seller accepts; no change to grading.<br>|  |  | 07/02/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562955344 | 3562955344 |  | 34144990 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves are insufficient. All provided assets have been included as considered by the lender. Please provide documentation to support the reserve requirement as needed. |  |  |  | Reviewer Comment (2025-07-09): Provided Updated [redacted]and [redacted]Documents, Considered [Redacted] Bank Checking Account # [redacted]for asset qualification. As Per Updated [redacted]and [redacted]Documents. Exception Cleared.<br>Buyer Comment (2025-07-08): Please see the attached updated [redacted]/[redacted]adding in [redacted]to the borrower's assets.<br>Buyer Comment (2025-07-08): Please see the attached updated [redacted]/[redacted]adding in [redacted] to the borrower's assets.<br>| 07/09/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562955344 | 3562955344 |  | 34144991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-09): Provided Updated[redacted] and [redacted] Documents, Considered [Redacted] Bank Checking Account # [redacted]for asset qualification. As Per Updated [redacted]and [redacted]Documents. Exception Cleared.<br>Buyer Comment (2025-07-08): Please see the attached updated [redacted]/[redacted]adding in [redacted]to the borrower's assets.<br>| 07/09/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3562955344 | 3562955344 |  | 34144992 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-07-09): Provided Updated [redacted]and [redacted]Documents, Considered [redacted] Checking Account # [redacted]for asset qualification. As Per Updated [redacted]and[redacted] Documents. Exception Cleared.<br>Buyer Comment (2025-07-08): Please see the attached updated [redacted]/[redacted]adding in [redacted]to the borrower's assets.<br>| 07/09/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564593791 | 3564593791 |  | 34145003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The Non-Escrowed Property Costs over Year[redacted] (HOA Dues) was not completed on page [redacted]of the final Closing Disclosure. Please provide corrected CD and LOE to the borrower to clear this exception. |  |  |  | Reviewer Comment (2025-07-09): [redacted] received corrected [redacted] and [redacted]. No HOA fee.<br>Buyer Comment (2025-07-08): Please see attached [redacted]and [redacted]removing the HOA dues.<br>Reviewer Comment (2025-07-07): [redacted] received rebuttal. However, on [redacted]& [redacted]there is $[redacted]mentioned on HOA amount. Kindly confirm the amount which was mentioned on [redacted] for $[redacted]in order to clear the exception.<br>Buyer Comment (2025-07-03): The subject property appraisal reflects [redacted]for HOA dues for the subject property. Please clear this condition.<br>| 07/09/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3564593791 | 3564593791 |  | 34145004 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-07): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-07-03): Please see the attached LE verification<br>| 07/07/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563640500 | 3563640500 |  | 34145021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-14): [redacted] received disclosure summary.<br>Buyer Comment (2025-07-11): Please see the attached screenshot confirming the le was acknowledged.<br>| 07/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563640500 | 3563640500 |  | 34145022 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of the loan becoming an ARM. | Loan product was switched from a fixed rate to an ARM on [redacted]. Evidence the ARM Disclosure was provided within [redacted]days of this change was missing from the file. |  |  |  | Buyer Comment (2025-07-31): seller accepts; no change to grading.<br>|  |  | 07/31/2025 | 3<br> C |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563640500 | 3563640500 |  | 34145023 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing Testing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three ([redacted]) days of the loan becoming an ARM. | Loan product was switched from a fixed rate to an ARM on [redacted]. Evidence the [redacted] Booklet was provided within [redacted]days of this change was missing from the file. |  |  |  | Buyer Comment (2025-07-31): seller accepts; no change to grading.<br>|  |  | 07/31/2025 | 3<br> C |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564577476 | 3564577476 |  | 34145026 |  | 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 violation due to the addition of the Pest Inspection fee in section C that was added without a valid COC. Lender credit of $[redacted]does not meet previously disclosed credit of $[redacted]due to the addition of this fee. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-14): Upon further review lender credit correctly disclosed to consumer.<br>Buyer Comment (2025-07-11): [redacted]: The lender credit decreased that was covering the borrowers HOI<br> premium in Section F, this fee was not considered when the lender credits<br> were applied initially as it is not subject to tolerance. In addition, the<br> borrower received $[redacted] in total lender credits.<br>| 07/14/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3564372272 | 3564372272 |  | 34145037 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [redacted] Street to verify the total net equity received and that all liens are paid and closed. It is noted the Seller Closing Disclosure was provided; however, it was not signed and dated. Please provide for review. |  |  |  | Reviewer Comment (2025-07-15): Received executed Closing Statement. Exception cleared.<br>Buyer Comment (2025-07-15): Please see the attachment.<br>| 07/15/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563689518 | 3563689518 |  | 34145050 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-22): Seller acknowledges. No change to grading.<br>|  |  | 07/22/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563689518 | 3563689518 |  | 34145052 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-25): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-07-24): Also attached is a screenshot from our LOS to confirm the CIC<br>Buyer Comment (2025-07-24): The SSR report itself with the CU score of [redacted]and our commentary serve as the CIC. There is nothing further to provide as the CIC is valid and supported by the evidence of a SSR report and our commentary.<br>Reviewer Comment (2025-07-23): [redacted] received rebuttal comment and we agree with the same but there is no COC document available in file for adding the fee on CD dated [redacted]. Please provide COC to re-baseline the fees.<br>Buyer Comment (2025-07-22): The $[redacted]appraisal fee was added when the appraisal was received with a CU score over [redacted]per the SSR report on page [redacted] of the loan images. CU scores over [redacted]require a secondary valuation product which caused the appraisal fee to be added.<br>| 07/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | 3563689518 | 3563689518 |  | 34145053 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing Testing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three ([redacted]) days of the loan becoming an ARM. | Verification of the CHARM Booklet delivery within [redacted]days of [redacted] was missing from the file. The initial ARM Disclosure did not have the [redacted] Booklet language, and the other disclosure that confirms delivery is not dated. |  |  |  | Buyer Comment (2025-07-31): seller accepts; no change to grading.<br>|  |  | 07/31/2025 | 3<br> C |  | [Redacted] | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564281854 | 3564281854 |  | 34145062 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company Not Licensed at time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application. | The NMLS website indicates the originating organization has a license issue date of [redacted] in [Redacted] which is connected to a consent order that was filed. An attestation from the originating lender is required in order for compliance to review this exception for a potential downgrade. Attestation to include details explaining what happened with the consent order and if they were licensed to conduct business at the time of origination. |  |  |  | Reviewer Comment (2025-07-31): Evidence provided that LO was licensed from time of application to time of closing.<br>Reviewer Comment (2025-07-30): To support a downgrade to the exception, the [redacted] must provide evidence of their [redacted] licensure between the dates of [redacted] and[redacted].<br>Buyer Comment (2025-07-29): Please see the attached information from the NMLS website confirming brokers licensing was active in [redacted] State under license # [redacted] from [redacted] through [redacted] (Voluntary surrender on [redacted]) which was before and up to our closing date. Moreover, the broker had the overlapping license # CL-[redacted]as of[redacted].<br>Reviewer Comment (2025-07-24): The consent order was reviewed by our compliance team prior to publishing our initial due diligence results. In order to escalate this exception for review to compliance again, we need an attestation from the originating lender ([redacted]) regarding the details of the consent order and confirmation of licensing at the time of application. The NMLS website states the license was issued [redacted] which is after the application date. Exception remains for additional information.<br>Buyer Comment (2025-07-22): Please see the attached consent order which provides what occurred. The order states the borrowers licensed was not revoked and the order was stayed for[redacted] years as long as they meet the courts requirements.<br>Reviewer Comment (2025-07-21): This exception has been reviewed by compliance prior to initial reporting. Compliance to further review upon receipt of a response.<br>| 07/31/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563921965 | 3563921965 |  | 34170211 |  | 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. | [redacted]% fee violation due to an increase in the GRMA Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-10): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-09): Please see attached, Cure packet with LOE, copy of check, PCCD, and shipping label<br>Reviewer Comment (2025-07-07): [redacted] received rebuttal comment that fee increased on [redacted] but [Redacted] mortgage fee of $[redacted]was added on CD dated [redacted] also the reason provided is not valid as property type change does not affect the fee. This fee is imposed on the closing of every mortgage loan subject to regulation under Title [redacted], Chapter [redacted], ARTICLE [redacted] of the Financial Institutions Code of Georgia which, as defined in Code Section [redacted], includes all mortgage loans, whether or not closed by a mortgage broker or mortgage lender licensee or registrant, a fee of $[redacted]. The fee shall be paid by the borrower to the collecting agent at the time of closing of the mortgage loan transaction. Please provide valid COC or cure would be required.<br>Buyer Comment (2025-07-03): The appraisal came in on [redacted] reflecting the property type as a PUD and not a SFR which increased the recording fee as disclosed on the CD from v.<br>|  | 07/10/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3561017227 | 3561017227 |  | 34170214 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-16): Seller acknowledges exception, no change to grading. | Buyer Comment (2025-07-16): Seller acknowledges exception, no change to grading. |  | 07/16/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564355708 | 3564355708 |  | 34170220 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading.<br>|  |  | 07/15/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564451515 | 3564451515 |  | 34170224 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-16): Seller acknowledges the exception, no change to grading.<br>|  |  | 07/16/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564707806 | 3564707806 |  | 34170233 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted][redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-23): [redacted] received a valid COC.<br>Buyer Comment (2025-07-22): Please see the attached appraisal order page confirming the broker requested rush.<br>Reviewer Comment (2025-07-22): [redacted] received rebuttal comment. Please provide evidence of request of rush fee from broker/borrower to validate the change.<br>Buyer Comment (2025-07-21): Please review the purchase agreement in your loan file on page [redacted]([redacted]). As part of the client financing/inspection contingency (#[redacted]-f) in this contract, the buyer had [redacted]business days after the initial appraisal was completed on [redacted] to finalize the additional guideline required CDA per the CU score being over [redacted]. All appraisal documentation had to be finalized by [redacted] to meet this contingency and therefor the broker requested a RUSH on the clients behalf.<br>Reviewer Comment (2025-07-18): [redacted] received COC snip but the reason provided fee increased due to rush is not sufficient. Please provide more information on why the rush was requested. Invalid increases due to addition of appraisal rush fees was addressed on page [redacted]of the CFPB Supervisory Highlight found here: https://files.consumerfinance.gov/f/documents/cfpb_supervisory-highlights_issue-[redacted]-v.pdf. If there [redacted]is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please provide documentation to support and when creditor became aware of new information. Otherwise, cure is required.<br>Buyer Comment (2025-07-17): Please see the attached screen shot from our appraisal fee increase tracking item. This confirms the $[redacted]fee added on[redacted] was a rush fee as the purchase contract includes an appraisal contingency date.<br>| 07/23/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564707806 | 3564707806 |  | 34170234 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-21): [redacted] received COC dated [redacted] for adding fee.<br>Buyer Comment (2025-07-18): Please see the attached screen shot from our LOS CIC screen confirming the CDA was required.<br>Reviewer Comment (2025-07-18): [redacted] received rebuttal comment and agree with the comment but there is no COC document in file. COC is required to re-baseline the fee.<br>Buyer Comment (2025-07-17): The UCDP SSR form from the appraisal (in your loan file) came in on[redacted]showing a CU score above [redacted]which requires a CDA be ordered to meet guidelines and is a valid change in circumstance.<br>| 07/21/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3563686105 | 3563686105 |  | 34170243 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-22): Seller acknowledges exception, no change to grading.<br>|  |  | 07/22/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564020013 | 3564020013 |  | 34170246 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  | Reviewer Comment (2025-07-24): Disclosure was provided within [redacted]days of application date. Exception cleared.<br>Buyer Comment (2025-07-22): Please see the attached ARm disclosure, the borrower was provided this form within[redacted] days of providing them an application form, which is the [redacted]which was signed on the same day, [redacted]<br>Buyer Comment (2025-07-22): Please see the attached ARm disclosure, the borrower was provided this form within [redacted]days of providing them an application form, which is the [redacted]which was signed on the same day, [redacted]<br>| 07/24/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565084649 | 3565084649 |  | 34246428 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges exception, no change in grading<br>|  |  | 07/24/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246431 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-31): Seller acknowledges exception, no change to grading.<br>|  |  | 07/31/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246432 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges exception, no change to grading.<br>|  |  | 07/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246433 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges exception, no change to grading.<br>|  |  | 07/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI significantly exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | DTI is excessive due to missing income documentation. Please provide the [redacted]S's, all schedules, for both [redacted] both of which the borrower is [redacted]% owner of. Income will be further reviewed upon receipt. |  |  |  | Reviewer Comment (2025-07-25): [redacted]S's have been provided and reviewed. Cash flow considered by the lender on both businesses is supported, exception cleared.<br>Buyer Comment (2025-07-24): Please see attached [redacted]full business returns for[redacted] Inc and [redacted] Consulting.<br>Buyer Comment (2025-07-24): Please see attached [redacted]full business returns for [redacted] Inc and [redacted] Consulting.<br>| 07/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-25): [redacted]S's have been provided and reviewed. Cash flow considered by the lender on both businesses is supported, exception cleared.<br>Buyer Comment (2025-07-24): Please see attached [redacted]full business returns for [redacted]Inc and [redacted] Consulting.<br>| 07/25/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246437 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to missing income documentation. Please provide the [redacted]S's, all schedules, for both [redacted], both of which the borrower is [redacted]% owner of. Income will be further reviewed upon receipt. |  |  |  | Reviewer Comment (2025-07-25): [redacted]S's have been provided and reviewed. Cash flow considered by the lender on both businesses is supported, exception cleared.<br>Buyer Comment (2025-07-24): Please see attached [redacted]full business returns for [redacted] Inc and[redacted] Consulting.<br>| 07/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3565123987 | 3565123987 |  | 34246438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-07-25): [redacted]S's have been provided and reviewed. Cash flow considered by the lender on both businesses is supported, exception cleared.<br>Buyer Comment (2025-07-24): Please see attached [redacted]full business returns for[redacted] Inc and[redacted] Consulting.<br>| 07/25/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564132492 | 3564132492 |  | 34246440 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges exception, no change to grading.<br>|  |  | 07/24/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564261126 | 3564261126 |  | 34246442 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-07-22): Incident start date [redacted]. PDI dated after the incident start date reflects no damages. Client elects to waive disaster inspection requirement with compensating factors.<br>|  |  | 07/22/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564261126 | 3564261126 |  | 34246445 |  | 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. | [redacted]% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-24): Please see the attachment.<br>|  | 07/25/2025 |  | 2<br> C<br> B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3557689381 | 3557689381 |  | 34246448 |  | 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. |  |  |  |  | Buyer Comment (2025-07-25): Seller acknowledges the exception, no changer to grading.<br>|  |  | 07/25/2025 | 2<br> B |  | [Redacted] | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246451 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-08-07): Provided Final Settlement Statement Document. Exception Cleared.<br>Buyer Comment (2025-08-06): Please see the attached final settlement statement.<br>| 08/07/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared |  |  |  | Reviewer Comment (2025-08-07): Provided Final Settlement Statement Document. Exception Cleared.<br>Buyer Comment (2025-08-06): Please see the attached final settlement statement.<br>Reviewer Comment (2025-07-30): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>| 08/07/2025 |  |  | 1<br> B<br> A<br> C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The file is missing the third party verification for the co-borrower's Schedule C business. Please provide the third party verification for the business obtained within [redacted]calendar days of the Note date for review. |  |  |  | Reviewer Comment (2025-07-30): Updated [redacted]was provided to confirm income from co-borrower was not used for qualification. Exception cleared.<br>Buyer Comment (2025-07-29): The Schedule C income amount was not used to qualify the loan and therefore does not require 3rd party verification. Please see the AUS, [redacted] and [redacted]removing the information.<br>Buyer Comment (2025-07-29): The Schedule C income amount was not used to qualify the loan and therefore does not require [redacted]party verification. Please see the AUS, [redacted]and [redacted]removing the information.<br>Buyer Comment (2025-07-29): The Schedule C income amount was not used to qualify the loan and therefore does not require [redacted]rd party verification. Please see the AUS, [redacted]and [redacted]removing the information.<br>| 07/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246454 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-07-29): Please see the attached from our LOS online documents portal which confirms the client viewed the LE from [redacted] on [redacted]<br>| 07/29/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246456 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower's missing the previous two-years W-[redacted]s for secondary employment. Please provide for review. |  |  |  | Reviewer Comment (2025-07-30): W-[redacted] received for the yearv & [redacted]. Exception cleared.<br>Buyer Comment (2025-07-30): Please see the attached W[redacted]s<br>Buyer Comment (2025-07-30): Please see the attached W[redacted]'s<br>Reviewer Comment (2025-07-30): Required [redacted] years of W-[redacted]'s for the borrower. please provide [redacted],[redacted] W-[redacted]'s for[redacted] Univ. Exception remains<br>Buyer Comment (2025-07-29): The Schedule C income amount was not used to qualify the loan and therefore does not require [redacted]rd party verification. Please see the AUS, [redacted] and [redacted] removing the information.<br>| 07/30/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3562636419 | 3562636419 |  | 34246457 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-08-07): Provided Final Settlement Statement Document. Exception Cleared.<br>Buyer Comment (2025-08-06): Please see the attached final settlement statement.<br>| 08/07/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 3564446744 | 3564446744 |  | 34246459 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-29): Seller acknowledges. No change to grading.<br>|  |  | 07/29/2025 | 2<br> B |  | [Redacted] | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 2411008473 | 2411008473 |  | 34352242 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing in file |  |  |  | Reviewer Comment (2025-02-06): Received AUS. Exception cleared.<br>Buyer Comment (2025-02-06): AUS<br>| 02/06/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 2411008473 | 2411008473 |  | 34352243 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) not provided |  | Loan Underwriting and Transmittal Summary ([redacted]) / MCAW is missing in file. Due to missing AUS , need to understand how loan was approved with regard to DTI. |  |  |  | Reviewer Comment (2025-02-10): Received [redacted]. Exception Cleared<br>Buyer Comment (2025-02-07): [redacted]<br>Reviewer Comment (2025-02-06): Total expense payment per 1008 $[redacted]vs AUS $[redacted]hence DTI varies from [redacted]% per AUS from [redacted]%. required updated [redacted]to match AUS. Exception remains.<br>Buyer Comment (2025-02-06): [redacted]<br>| 02/10/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 4000078457 | 4000078457 |  | 34352253 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): AUS provided. Cleared.<br>Seller Comment (2025-06-12): Comment from [redacted] Qiu ([redacted]): AUS<br>| 06/12/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 4000078457 | 4000078457 |  | 34352255 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of Insurance Verification. |  |  |  | Reviewer Comment (2025-06-12): Provided. Cleared.<br>Seller Comment (2025-06-12): Comment from [redacted] Qiu ([redacted]): HOI<br>| 06/12/2025 |  |  | 1<br> C<br> A |  | [Redacted] | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 9/8/2025 8:29:44 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redacted] | 3554911369 | 3554911369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted] | 3563742233 | 3563742233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redacted] | 3563894383 | 3563894383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redacted] | 3562747004 | 3562747004 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| [Redacted] | 8378519 | 8378519 | 8378519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redacted] | 8360515 | 8360515 | 8360515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redacted] | 8599986 | 8599986 | 8599986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 8721940 | 8721940 | 8721940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted] | 8850743 | 8850743 | 8850743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redacted] | 8975211 | 8975211 | 8975211 |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 8987220 | 8987220 | 8987220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | 8989125 | 8989125 | 8989125 |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted] | 8991076 | 8991076 | 8991076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 8993233 | 8993233 | 8993233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | 8993253 | 8993253 | 8993253 |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 8993441 | 8993441 | 8993441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted] | 9003019 | 9003019 | 9003019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | 9003774 | 9003774 | 9003774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redacted] | 9003772 | 9003772 | 9003772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted] | 9003771 | 9003771 | 9003771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redacted] | 9006047 | 9006047 | 9006047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted] | 9006537 | 9006537 | 9006537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 25.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redacted] | 9011314 | 9011314 | 9011314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9013636 | 9013636 | 9013636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9021924 | 9021924 | 9021924 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9029772 | 9029772 | 9029772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redacted] | 9044286 | 9044286 | 9044286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redacted] | 9046680 | 9046680 | 9046680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted] | 9050759 | 9050759 | 9050759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted] | 9050771 | 9050771 | 9050771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.290% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9054417 | 9054417 | 9054417 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.460% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 9054989 | 9054989 | 9054989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redacted] | 9067484 | 9067484 | 9067484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 8993473 | 8993473 |  |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redacted] | 9075274 | 9075274 | 9075274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9075345 | 9075345 | 9075345 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 9080782 | 9080782 | 9080782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted] | 9092596 | 9092596 | 9092596 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redacted] | 9097097 | 9097097 | 9097097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | 9010987 | 9010987 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redacted] | 9102223 | 9102223 | 9102223 |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | 9109277 | 9109277 | 9109277 |  |  |  |  |  |  | [Redacted] |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted] | 9110181 | 9110181 | 9110181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.850% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted] | 9110454 | 9110454 | 9110454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9111461 | 9111461 | 9111461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | 9113526 | 9113526 | 9113526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.320% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted] | 9048607 | 9048607 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [Redacted] | 9118380 | 9118380 | 9118380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redacted] | 9119168 | 9119168 | 9119168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted] | 9119488 | 9119488 | 9119488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.940% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 9120627 | 9120627 | 9120627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | 9120629 | 9120629 | 9120629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3562475150 | 3562475150 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564045743 | 3564045743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3562865366 | 3562865366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted] | 3563647950 | 3563647950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redacted] | 3562630417 | 3562630417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3563635107 | 3563635107 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted] | 3563882554 | 3563882554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redacted] | 3563391325 | 3563391325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redacted] | 3563708089 | 3563708089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 3562955344 | 3562955344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | 3564593791 | 3564593791 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted] | 3562831462 | 3562831462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3563540842 | 3563540842 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | 3563640500 | 3563640500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redacted] | 3564577476 | 3564577476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redacted] | 3559644196 | 3559644196 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | 3564116631 | 3564116631 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redacted] | 3564372272 | 3564372272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | 3563515223 | 3563515223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3563689518 | 3563689518 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 3563798481 | 3563798481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | 3564281854 | 3564281854 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | 3564336332 | 3564336332 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted] | 3564606220 | 3564606220 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564290673 | 3564290673 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| [Redacted] | 3563921965 | 3563921965 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redacted] | 3561017227 | 3561017227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redacted] | 3564355708 | 3564355708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564389487 | 3564389487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564451515 | 3564451515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.440% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redacted] | 3564569980 | 3564569980 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted] | 3564707806 | 3564707806 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redacted] | 3565075556 | 3565075556 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redacted] | 3563686105 | 3563686105 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redacted] | 3564020013 | 3564020013 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redacted] | 3564440700 | 3564440700 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redacted] | 3564712192 | 3564712192 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted] | 3565084649 | 3565084649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redacted] | 3565123987 | 3565123987 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564132492 | 3564132492 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 3564261126 | 3564261126 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3557689381 | 3557689381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redacted] | 3562636419 | 3562636419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted] | 3564446744 | 3564446744 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 3564706804 | 3564706804 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 3565180259 | 3565180259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redacted] | 3564972461 | 3564972461 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redacted] | 3566136153 | 3566136153 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redacted] | 3565028694 | 3565028694 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redacted] | 2411008473 | 2411008473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 4000078457 | 4000078457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |

---

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![](logo_situs.jpg)

#### Supplemental Data

#### Run Date - 9/8/2025 8:29:44 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| [Redacted] | 3554911369 | 3554911369 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.776% | [Redacted] | [Redacted] | 5.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.830% | 40.551% | 44.830% | 03/21/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $17605.00 |  | 6.690% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 7.334% | 0 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 27.32 |  |  | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563742233 | 3563742233 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.135% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 32.306% | 31.406% | 32.306% | 02/18/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $27751.20 |  | 6.710% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | 7.313% | 0 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 30.87 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563894383 | 3563894383 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.183% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 33.165% | 31.710% | 33.165% | 05/19/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $19782.00 |  | 6.710% | $450000.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | 7.314% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 17 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.4 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562747004 | 3562747004 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.876% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 35.705% | 33.918% | 35.705% | 05/07/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $13800.00 |  | 6.620% | $20500.00 | 4.9 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.1 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8378519 | 8378519 | 8378519 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.182% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 30.736% | 30.736% | 32.956% | 06/28/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $3925.00 |  | 7.190% | $0.00 | 3.4 |  |  |  | N/A | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 261.93 |  | Yes | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8360515 | 8360515 | 8360515 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.904% | [Redacted] | [Redacted] | 7.500% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.155% | 43.736% | 44.155% | 08/25/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $9788.00 |  | 7.350% | $0.00 | 4.6 | DU |  | ApproveEligible | N/A | No | 7.606% | 2 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 32 | 33 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.97 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8599986 | 8599986 | 8599986 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.972% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 37.007% | 37.007% | 40.350% | 10/21/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1740.00 |  | 6.940% | $360000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 3 | 3 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 24 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 17.52 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8721940 | 8721940 | 8721940 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.066% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 38.793% | 38.793% | 40.115% | 10/28/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $12365.48 |  | 6.720% | $10000.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.11 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8850743 | 8850743 | 8850743 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.454% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 25.672% | 25.672% | 29.538% | 10/23/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1195.00 |  | 6.740% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8975211 | 8975211 | 8975211 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.533% | [Redacted] | [Redacted] | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 35.691% | 35.691% | 38.667% | 11/17/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6193.40 |  | 6.740% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  | 34 |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.98 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8987220 | 8987220 | 8987220 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.968% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 33.054% | 33.054% | 34.768% | 11/18/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1110.00 |  | 6.810% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.91 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8989125 | 8989125 | 8989125 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.095% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 48.535% | 48.535% | 50.239% | 11/22/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $7911.92 |  | 6.910% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 201.79 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8991076 | 8991076 | 8991076 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.191% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 37.128% | 37.128% | 38.430% | 10/30/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $14392.00 |  | 6.820% | $13000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.750% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 12 | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.83 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8993233 | 8993233 | 8993233 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.507% | [Redacted] | [Redacted] | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 40.578% | 40.578% | 43.749% | 11/14/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $5058.00 |  | 6.790% | $10000.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 34.61 | Retail | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8993253 | 8993253 | 8993253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.835% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.543% | 41.543% | 43.498% | 11/26/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $14089.18 |  | 6.790% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.12 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8993441 | 8993441 | 8993441 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.873% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 37.984% | 37.984% | 40.431% | 10/01/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $3695.00 |  | 6.790% | $2600.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.6 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9003019 | 9003019 | 9003019 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.688% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.362% | 42.362% | 44.815% | 11/27/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $2145.00 |  | 6.750% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 29 | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.12 | Retail | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9003774 | 9003774 | 9003774 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.809% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 40.643% | 40.643% | 42.165% | 11/14/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $11195.00 |  | 6.790% | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.81 |  | No | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9003772 | 9003772 | 9003772 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.444% | [Redacted] | [Redacted] | 6.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 40.752% | 40.752% | 44.311% | 12/10/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Other - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6193.59 |  | 6.790% | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 79.73 |  |  | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9003771 | 9003771 | 9003771 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.409% | [Redacted] | [Redacted] | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 49.116% | 49.116% | 56.344% | 12/10/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Auto Allowance]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Auto Allowance]; Paystubs - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $260.00 |  | 6.810% | $0.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | 5.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.67 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9006047 | 9006047 | 9006047 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.737% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.656% | 41.656% | 44.790% | 10/25/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $8237.50 |  | 6.790% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.79 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9006537 | 9006537 | 9006537 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.737% | [Redacted] | [Redacted] | 6.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 26.987% | 25.575% | 26.987% | 12/20/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Note Receivable]; Account Statements - 2024<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $17810.20 |  | 6.790% | $0.00 | 3.0 | DU |  | ApproveIneligible | N/A | No | 7.348% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9011314 | 9011314 | 9011314 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.904% | [Redacted] | [Redacted] | 8.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 37.416% | 36.977% | 35.097% | 12/17/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1640.00 |  | 7.150% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 8.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 76.82 |  | Yes | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9013636 | 9013636 | 9013636 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.704% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 23.562% | 23.562% | 25.815% | 12/26/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6194.90 |  | 6.840% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 |  | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9021924 | 9021924 | 9021924 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.684% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.817% | 42.817% | 46.045% | 01/13/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $11517.80 |  | 6.710% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9029772 | 9029772 | 9029772 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.352% | [Redacted] | [Redacted] | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 28.822% | 28.822% | 30.868% | 01/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $9536.00 |  | 6.690% | $25000.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 | 1 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.39 | Retail |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9044286 | 9044286 | 9044286 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.606% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 37.417% | 37.417% | 39.997% | 02/12/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6195.20 |  | 6.740% | $0.00 | 3.4 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9046680 | 9046680 | 9046680 | Higher Priced QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.072% | [Redacted] | [Redacted] | 8.500% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 47.814% | 47.393% | 45.095% | 12/24/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6372.70 |  | 6.960% | $1500.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 8.500% | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 50.03 |  | No | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9050759 | 9050759 | 9050759 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.638% | [Redacted] | [Redacted] | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 49.317% | 49.317% | 54.117% | 01/25/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $25240.00 |  | 6.760% | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | 6.000% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.43 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9050771 | 9050771 | 9050771 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.620% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.740% | 42.740% | 44.874% | 01/30/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $2945.00 |  | 6.780% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 24 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 40.65 | Retail | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9054417 | 9054417 | 9054417 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.634% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed | Employed |  | [Redacted] |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.520% | 39.520% | 41.798% | 01/28/2025 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $30490.80 |  | 6.760% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 36 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 84.01 | Retail | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9054989 | 9054989 | 9054989 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.170% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 24.083% | 23.508% | 24.083% | 07/24/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $3317.50 |  | 7.570% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 7.980% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 19 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.19 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9067484 | 9067484 | 9067484 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.810% | [Redacted] | [Redacted] | 8.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 40.582% | 39.970% | 37.417% | 02/14/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1064.00 |  | 6.880% | $5000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 8.250% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 8993473 | 8993473 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.941% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 45.072% | 45.072% | 46.890% | 11/18/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx | $1937.00 |  | 6.870% | $0.00 | 3.7 | DU |  | ApproveIneligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport | Passport |  |  |  | 13.04 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9075274 | 9075274 | 9075274 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.594% | [Redacted] | [Redacted] | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 49.955% | 49.955% | 53.520% | 02/18/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $10507.21 |  | 6.660% | $154930.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 5.750% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.76 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9075345 | 9075345 | 9075345 | Higher Priced QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.931% | [Redacted] | [Redacted] | 8.625% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.512% | 42.804% | 38.529% | 02/17/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1740.00 |  | 6.840% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 8.625% | 3 | 3 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 25 | 26 |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 76.52 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9080782 | 9080782 | 9080782 | Higher Priced QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.031% | [Redacted] | [Redacted] | 8.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 46.731% | 46.103% | 42.717% | 03/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $16800.12 |  | 6.850% | $6000.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | 8.500% | 0 | 0 | 1 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.51 |  | Yes | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9092596 | 9092596 | 9092596 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.407% | [Redacted] | [Redacted] | 5.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.987% | 39.987% | 44.489% | 01/28/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $13468.00 |  | 6.680% | $50000.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | 5.625% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 7 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9097097 | 9097097 | 9097097 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.398% | [Redacted] | [Redacted] | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 35.354% | 35.354% | 39.500% | 04/01/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $19187.00 |  | 6.560% | $35177.50 | 3.5 | DU |  | ApproveIneligible | N/A | No | 5.750% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 |  |  |  |  |  |  |  |  |  |  |  |  | 23.07 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9010987 | 9010987 |  | Higher Priced QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.047% | [Redacted] | [Redacted] | 8.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 47.951% | 47.607% | 45.980% | 01/07/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx | $23818.64 |  | 7.030% | $12500.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 8.375% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.33 |  | Yes | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9102223 | 9102223 | 9102223 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.633% | [Redacted] | [Redacted] | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 46.374% | 45.853% | 44.572% | 03/10/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1640.00 |  | 6.790% | $2250.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 7.875% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 221.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9109277 | 9109277 | 9109277 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.679% | [Redacted] | [Redacted] | 8.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 11.139% | 11.023% | 10.673% | 03/19/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1245.00 |  | 6.790% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 27.76 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9110181 | 9110181 | 9110181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.562% | [Redacted] | [Redacted] | 5.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 49.902% | 49.902% | 55.821% | 03/11/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $27151.39 |  | 6.610% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 5.750% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 1.90 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9110454 | 9110454 | 9110454 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.638% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 36.529% | 36.529% | 38.934% | 03/23/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $5128.34 |  | 6.660% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 26.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9111461 | 9111461 | 9111461 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.537% | [Redacted] | [Redacted] | 5.875% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 40.606% | 40.606% | 43.481% | 03/25/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $10478.24 |  | 6.660% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | 13.95 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9113526 | 9113526 | 9113526 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.530% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.395% | 39.395% | 43.208% | 03/06/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1640.00 |  | 6.610% | $6000.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | 5.875% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9048607 | 9048607 |  | Exempt from ATR |  | Yes |  | Yes | No | [Redacted] | [Redacted] |  | 7.020% | [Redacted] | [Redacted] | 7.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 47.863% | 47.128% | 45.705% | 02/06/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2015<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | MaxEx | $16811.00 |  | 6.960% | $5600.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.750% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 242.12 |  |  | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9118380 | 9118380 | 9118380 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.541% | [Redacted] | [Redacted] | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.113% | 41.113% | 43.811% | 04/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $11329.00 |  | 6.670% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 5.750% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.54 | Retail |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9119168 | 9119168 | 9119168 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.673% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 46.268% | 46.268% | 49.748% | 04/07/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $1640.00 |  | 6.670% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.250% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9119488 | 9119488 | 9119488 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.578% | [Redacted] | [Redacted] | 5.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.630% | 42.630% | 46.480% | 04/07/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $11194.26 |  | 6.670% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 15.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 66.96 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9120627 | 9120627 | 9120627 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.811% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.352% | 42.352% | 44.762% | 04/08/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $2040.00 |  | 6.610% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.250% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.71 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 9120629 | 9120629 | 9120629 | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.473% | [Redacted] | [Redacted] | 5.750% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 28.636% | 28.636% | 31.905% | 04/22/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Morgan Stanley | $6194.96 |  | 6.610% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 5.750% | 2 | 1 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 13.45 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562475150 | 3562475150 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.912% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.301% | 41.301% | 42.079% | 04/28/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $5300.00 |  | 6.710% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564045743 | 3564045743 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.991% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.668% | 40.845% | 43.668% | 05/22/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $25000.00 |  | 6.710% | $12000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.332% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | 12.86 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562865366 | 3562865366 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.956% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.487% | 42.507% | 43.487% | 03/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $3394.00 |  | 6.690% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 7.306% | 0 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.99 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563647950 | 3563647950 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.134% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.144% | 38.395% | 39.144% | 05/15/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $14016.00 |  | 6.690% | $0.00 | 4.5 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.4 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562630417 | 3562630417 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.019% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.897% | 41.264% | 43.897% | 04/25/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $23611.25 |  | 6.700% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.308% | 2 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.24 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563635107 | 3563635107 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.828% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 33.529% | 31.072% | 33.529% | 05/14/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7875.00 |  | 6.710% | $0.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.81 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563882554 | 3563882554 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.815% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.923% | 41.610% | 44.923% | 05/19/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; K-1 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $6286.86 |  | 6.710% | $0.00 | 4.2 | DU |  | ApproveIneligible | N/A | No | 7.304% | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563391325 | 3563391325 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.951% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 24.801% | 23.856% | 24.801% | 05/09/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $14620.00 |  | 6.690% | $0.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | 7.328% | 2 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563708089 | 3563708089 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.212% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 2 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 36.452% | 35.636% | 36.452% | 02/12/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $14700.00 |  | 6.710% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.304% | 0 | 2 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 24.43 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562955344 | 3562955344 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.914% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 38.535% | 36.770% | 38.535% | 05/01/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $6730.00 |  | 6.690% | $269.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 7.304% | 1 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.86 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564593791 | 3564593791 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.750% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 36.387% | 34.238% | 36.387% | 05/30/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $1330.00 |  | 6.700% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 1 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.55 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562831462 | 3562831462 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.870% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 21.486% | 20.633% | 21.486% | 05/08/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $235.00 |  | 6.710% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.37 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563540842 | 3563540842 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.803% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 31.515% | 30.265% | 31.515% | 05/13/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8730.00 |  | 6.690% | $5000.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 40.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563640500 | 3563640500 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.705% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.526% | 41.733% | 44.526% | 05/14/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $10000.00 |  | 6.700% | $0.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 2 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.12 |  | No | No |  | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564577476 | 3564577476 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.857% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 30.499% | 28.783% | 30.499% | 06/06/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8604.00 |  | 6.700% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | 7.305% | 1 | 2 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 219.92 |  | No | No |  | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3559644196 | 3559644196 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.823% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.347% | 40.415% | 43.347% | 03/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $4107.35 |  | 6.710% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 7.302% | 2 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 17.4 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564116631 | 3564116631 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.889% | [Redacted] | [Redacted] | 6.375% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.240% | 40.077% | 42.240% | 04/02/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $11592.00 |  | 6.710% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 7.308% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 499.34 |  | No | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564372272 | 3564372272 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.730% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 25.981% | 24.365% | 25.981% | 05/27/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $13140.00 |  | 6.690% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 7.308% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563515223 | 3563515223 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.954% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 29.814% | 29.814% | 30.978% | 05/15/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $33720.83 |  | 6.710% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.625% | 2 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 44.66 |  | No | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563689518 | 3563689518 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.877% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 20.306% | 18.911% | 20.306% | 05/14/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $24926.00 |  | 6.690% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.311% | 1 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563798481 | 3563798481 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.626% | [Redacted] | [Redacted] | 5.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 23.404% | 20.909% | 23.404% | 05/17/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $1760.00 |  | 6.700% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 7.305% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564281854 | 3564281854 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.000% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.547% | 38.480% | 39.547% | 05/24/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $20250.00 |  | 6.690% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 7.327% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 172.71 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564336332 | 3564336332 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.728% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 17.719% | 16.455% | 17.719% | 05/29/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $1500.00 |  | 6.690% | $10000.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 76.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564606220 | 3564606220 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.766% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.363% | 40.889% | 44.363% | 06/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $725.00 |  | 6.640% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.306% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564290673 | 3564290673 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.769% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 38.643% | 36.708% | 38.643% | 06/06/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7000.00 |  | 6.690% | $5250.00 | 4.9 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 1 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | 21.97 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563921965 | 3563921965 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.922% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.194% | 41.299% | 43.194% | 05/20/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $5299.20 |  | 6.710% | $12000.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 129.67 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3561017227 | 3561017227 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.810% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.095% | 36.803% | 39.095% | 06/03/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $220.00 |  | 6.640% | $5500.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 7.306% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 38.36 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564355708 | 3564355708 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.774% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.679% | 40.150% | 43.679% | 05/29/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $33493.40 |  | 6.690% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.308% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 104.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564389487 | 3564389487 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.735% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 29.170% | 26.819% | 29.170% | 05/29/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $20195.00 |  | 6.690% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.305% | 1 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 31.65 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564451515 | 3564451515 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.742% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 36.122% | 33.769% | 36.122% | 05/30/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $11968.00 |  | 6.690% | $110000.00 | 3.1 |  |  |  | N/A | No | 7.308% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.83 |  |  | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564569980 | 3564569980 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.853% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.839% | 38.888% | 41.839% | 06/04/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $16512.50 |  | 6.700% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 7.302% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564707806 | 3564707806 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.714% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.172% | 40.861% | 43.172% | 06/04/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $4674.00 |  | 6.700% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | 7.311% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 81.71 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3565075556 | 3565075556 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.664% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 33.984% | 32.490% | 33.984% | 06/02/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $12057.84 |  | 6.630% | $22000.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 7.311% | 2 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3563686105 | 3563686105 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.877% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.852% | 44.852% | 47.612% | 05/15/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $9696.00 |  | 6.690% | $1000.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.16 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564020013 | 3564020013 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.858% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 19.119% | 18.179% | 19.119% | 06/10/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $1525.00 |  | 6.690% | $7500.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | 7.308% | 0 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 41.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564440700 | 3564440700 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.738% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.945% | 41.590% | 44.945% | 05/30/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $11450.00 |  | 6.690% | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | 7.301% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564712192 | 3564712192 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.793% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 34.541% | 32.115% | 34.541% | 06/04/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8230.00 |  | 6.700% | $22000.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | Yes |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 27.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3565084649 | 3565084649 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.734% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 32.865% | 30.110% | 32.865% | 06/11/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $18207.38 |  | 6.640% | $0.00 | 3.7 | DU |  | ApproveIneligible | N/A | No | 7.326% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 13.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3565123987 | 3565123987 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.827% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 42.456% | 40.316% | 42.456% | 06/12/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $4118.75 |  | 6.640% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.302% | 3 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564132492 | 3564132492 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.793% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.583% | 36.355% | 39.583% | 05/23/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $12135.00 |  | 6.710% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.97 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564261126 | 3564261126 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.751% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 43.197% | 43.197% | 44.807% | 05/27/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $21058.44 |  | 6.690% | $28000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3557689381 | 3557689381 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.870% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.904% | 42.801% | 44.904% | 05/28/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $11570.75 |  | 6.520% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 7.336% | 2 | 0 | 2 | 0 | 4 | 4 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 52.55 |  | No | No |  | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3562636419 | 3562636419 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.806% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.105% | 40.797% | 44.105% | 04/25/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $15500.00 |  | 6.690% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 91.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564446744 | 3564446744 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.015% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 41.288% | 39.495% | 41.288% | 05/28/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $18300.00 |  | 6.690% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564706804 | 3564706804 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.681% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 28.667% | 25.635% | 28.667% | 06/04/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $45074.00 |  | 6.640% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.301% | 1 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No | 16 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 28.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3565180259 | 3565180259 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.817% | [Redacted] | [Redacted] | 6.375% | No | Yes | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 44.909% | 42.039% | 44.909% | 06/13/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $2195.00 |  | 6.640% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 7.304% | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 52.47 |  | No | No |  | [Redacted] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3564972461 | 3564972461 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.657% | [Redacted] | [Redacted] | 5.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 26.706% | 25.084% | 26.706% | 06/10/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7601.25 |  | 6.640% | $2850.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 7.301% | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3566136153 | 3566136153 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.710% | [Redacted] | [Redacted] | 5.875% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 39.973% | 35.995% | 39.973% | 07/02/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $21650.00 |  | 6.550% | $0.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | 7.301% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 57.89 |  | No | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 3565028694 | 3565028694 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 6.598% | [Redacted] | [Redacted] | 5.990% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 15.904% | 14.741% | 15.904% | 06/02/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $30827.40 |  | 6.640% | $31000.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 7.305% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.48 |  | Yes | No |  | $0.00 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 2411008473 | 2411008473 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.238% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 36.286% | 35.999% | 36.286% | 11/15/2024 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx | $4057.95 |  | 6.820% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.285% | 0 |  | 2 | 0 | 3 | 3 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 187.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redacted] | 4000078457 | 4000078457 |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | [Redacted] | [Redacted] |  | 7.072% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redacted] | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | 21.737% | 21.737% | 21.737% | 04/24/2025 | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Onslow Bay | $968.00 |  | 6.710% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | 7.125% | 0 |  | 1 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | [Redacted] | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.26 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

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![](logo_situs.jpg)

#### ASF

#### Run Date - 9/8/2025 8:29:44 PM

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | 2411008473 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.043750 | 6.000000 | 0.010000 | 0.010000 | 0.121250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 125 | [Redacted] | 1 | 0.233805 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.362864 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 4 | 2 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3554911369 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.029900 | 6.000000 | 0.010000 | 0.030000 | 0.109900 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 157 | [Redacted] | 5 | 0.176833 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 2 | 2 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.448295 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3557689381 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 4 | 2 | 1 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 228 | [Redacted] | 3 | 0.153081 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.449036 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3559644196 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 164 | [Redacted] | 7 | 0.041805 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.433474 | [Redacted] | 4 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3561017227 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 127 | [Redacted] | 2 | 0.154779 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.390952 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562475150 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.030000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 228 | [Redacted] | 9 | 0.300040 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 5 |  | 3 |  | 2 |  | [Redacted] | [Redacted] | 0.413010 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 2 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562630417 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 55 | [Redacted] | 3 | 0.120168 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.438968 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562636419 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.111250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 202 | [Redacted] | 8 | 0.060274 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.441049 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562747004 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 104 | [Redacted] | 2 | 0.111302 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.357050 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562831462 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 93 | [Redacted] | 3 | 0.093568 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.214861 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562865366 | 2 | 1 | 0 | 9 | [Redacted] | [Redacted] | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 334 | [Redacted] | 6 | 0.129958 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 5 |  | 1 |  | 4 |  | [Redacted] | [Redacted] | 0.434872 | [Redacted] | 4 |  |  | [Redacted] |  | 3 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3562955344 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 154 | [Redacted] | 11 | 0.001593 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.385345 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 3 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563391325 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 138 | [Redacted] | 3 | 0.027191 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 4 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.248006 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563515223 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 183 | [Redacted] | 6 | 0.147458 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.298135 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563540842 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 60 | [Redacted] | 7 | 0.007555 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.315153 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563635107 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.030000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 25 | [Redacted] | 2 | 0.022575 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.335287 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563640500 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.030000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 58 | [Redacted] | 1 | 0.004775 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.445261 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563647950 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.038750 | 6.000000 | 0.010000 | 0.010000 | 0.118750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 4 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 150 | [Redacted] | 2 | 0.021280 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.391439 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563686105 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.030000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 126 | [Redacted] | 6 | 0.013517 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.448519 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563689518 | 2 | 1 | 0 | 9 | [Redacted] | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 98 | [Redacted] | 3 | 0.011102 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 4 |  | 3 |  | 3 |  | [Redacted] | [Redacted] | 0.203057 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563708089 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.039900 | 6.000000 | 0.010000 | 0.010000 | 0.119900 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 99 | [Redacted] | 2 | 0.082760 | [Redacted][Redacted][Redacted] |  |  | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 4 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.364518 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 13 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563742233 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.038750 | 6.000000 | 0.010000 | 0.010000 | 0.118750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 179 | [Redacted] | 3 | 0.074529 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 3 | 3 | [Redacted] | [Redacted] | 0.323060 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563798481 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.029900 | 6.000000 | 0.010000 | 0.010000 | 0.109900 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 25 | [Redacted] | 2 | 0.069492 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.234037 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563882554 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.030000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 236 | [Redacted] | 8 | 0.139828 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 4 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.449234 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563894383 | 2 | 1 | 0 | 6 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.037500 | 6.000000 | 0.010000 | 0.030000 | 0.117500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 170 | [Redacted] | 3 | 0.049377 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.331650 | [Redacted] | 4 | 0.379300 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3563921965 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.030000 | 0.115000 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 254 | [Redacted] | 4 | 0.079011 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.431939 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564020013 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 134 | [Redacted] | 3 | 0.183406 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | 0.00 | 0.00 | [Redacted] | 1 | 4 | 1 | 3 | 1 | 4 | 1 | [Redacted] | [Redacted] | 0.191189 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564045743 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 146 | [Redacted] | 8 | 0.048498 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.436676 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564116631 | 2 | 1 | 0 | 3 | [Redacted] | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 277 | [Redacted] | 2 | 0.157464 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 5 | 1 | 1 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.422399 | [Redacted] | 4 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564132492 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.030000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 141 | [Redacted] | 5 | 0.311271 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.395831 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564261126 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.030000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 128 | [Redacted] | 9 | 0.323758 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.431967 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564281854 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.037500 | 6.000000 | 0.010000 | 0.010000 | 0.117500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 36 | [Redacted] | 3 | 0.099176 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.395473 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564290673 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 106 | [Redacted] | 6 | 0.014327 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.386431 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564336332 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 372 | [Redacted] | 3 | 0.155733 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 3 | 3 | [Redacted] | [Redacted] | 0.177187 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 2 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564355708 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 290 | [Redacted] | 6 | 0.086590 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 4 | 3 | 1 | 4 | 1 | [Redacted] | [Redacted] | 0.436791 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564372272 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 99 | [Redacted] | 8 | 0.057566 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.259813 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564389487 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 35 | [Redacted] | 5 | 0.229685 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.291703 | [Redacted] | 4 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564440700 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.030000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 36 | [Redacted] | 2 | 0.021196 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.449445 | [Redacted] | 4 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564446744 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 181 | [Redacted] | 5 | 0.000029 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 2 |  | [Redacted] | [Redacted] | 0.412883 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564451515 | 2 | 1 | 0 | 6 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 208 | [Redacted] | 2 | 0.273973 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.361223 | [Redacted] | 4 | 0.850200 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564569980 | 2 | 1 | 0 | 6 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 214 | [Redacted] | 1 | 0.037422 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.418389 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564577476 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 317 | [Redacted] | 2 | 0.262535 | [Redacted][Redacted][Redacted] |  |  | 0.00 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 | 4 | 3 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.304991 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564593791 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 43 | [Redacted] | 4 | 0.087276 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.363874 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564606220 | 2 | 1 | 0 | 6 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 247 | [Redacted] | 4 | 0.159743 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.443630 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564706804 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.028750 | 6.000000 | 0.010000 | 0.030000 | 0.108750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 132 | [Redacted] | 4 | 0.053536 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 2 |  | [Redacted] | [Redacted] | 0.286673 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564707806 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.111250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 159 | [Redacted] | 4 | 0.069730 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.431720 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564712192 | 2 | 1 | 0 | 6 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.030000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 245 | [Redacted] | 4 | 0.038195 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.345409 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3564972461 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.029900 | 6.000000 | 0.010000 | 0.010000 | 0.109900 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 268 | [Redacted] | 3 | 0.123529 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.267060 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3565028694 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.029900 | 6.000000 | 0.010000 | 0.010000 | 0.109900 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 268 | [Redacted] | 4 | 0.121198 | [Redacted][Redacted][Redacted] |  |  | 0.00 | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 1 | 5 | 1 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.159039 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3565075556 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.111250 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 130 | [Redacted] | 5 | 0.048018 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.339839 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3565084649 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.028750 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 108 | [Redacted] | 14 | 0.100443 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.328647 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3565123987 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 307 | [Redacted] | 0 | 0.000000 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.424561 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3565180259 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.030000 | 0.113750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 168 | [Redacted] | 3 | 0.641385 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 4 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.449090 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 3566136153 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.028750 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 354 | [Redacted] | 6 | 0.099652 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 1 | 4 | [Redacted] | [Redacted] | 0.399734 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 4000078457 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.043750 | 6.000000 | 0.010000 | 0.010000 | 0.121250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 146 | [Redacted] | 4 | 0.313917 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 0 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.217365 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8360515 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.105000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 58 | [Redacted] | 5 | 0.053739 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.441549 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8378519 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.038750 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 356 | [Redacted] | 6 | 0.038207 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 5 | 5 | 1 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.307355 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 3 | 2 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8599986 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 19 | [Redacted] | 2 | 0.211268 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.370073 | [Redacted] | 1 | 0.732700 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8721940 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.040000 | 6.000000 | 0.010000 | 0.010000 | 0.117500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 31 | [Redacted] | 3 | 0.181607 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.387932 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8850743 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 137 | [Redacted] | 2 | 0.008297 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 3 |  | [Redacted] | [Redacted] | 0.256719 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8975211 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.110000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 99 | [Redacted] | 2 | 0.108237 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.356907 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8987220 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.040000 | 6.000000 | 0.010000 | 0.010000 | 0.117500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 140 | [Redacted] | 1 | 0.000000 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 3 |  | [Redacted] | [Redacted] | 0.330537 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8989125 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 4 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.040000 | 6.000000 | 0.010000 | 0.010000 | 0.117500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 332 | [Redacted] | 11 | 0.093741 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.485353 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8991076 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.040000 | 6.000000 | 0.010000 | 0.010000 | 0.117500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 139 | [Redacted] | 6 | 0.032504 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.371281 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8993233 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.110000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 152 | [Redacted] | 2 | 0.409414 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.405784 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8993253 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.037500 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 94 | [Redacted] | 8 | 0.025870 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.415428 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8993441 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 4 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.037500 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 148 | [Redacted] | 2 | 0.115151 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 3 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.379844 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 8993473 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.038750 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 38 | [Redacted] | 2 | 0.055600 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.450722 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9003019 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 131 | [Redacted] | 4 | 0.051518 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.423621 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 3 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9003771 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.027500 | 6.000000 | 0.010000 | 0.010000 | 0.105000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 27 | [Redacted] | 2 | 0.024037 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.491161 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9003772 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.110000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 230 | [Redacted] | 3 | 0.014074 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 3 | 5 | 1 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.407515 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9003774 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.037500 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 133 | [Redacted] | 4 | 0.033211 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 1 | 4 | [Redacted] | [Redacted] | 0.406428 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 4 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9006047 | 2 | 1 | 0 | 4 | [Redacted] | [Redacted] | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 94 | [Redacted] | 5 | 0.289255 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.416562 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9006537 | 2 | 1 | 0 | 3 | [Redacted] | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 107 | [Redacted] | 5 | 0.665073 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 5 |  | 1 |  | 4 |  | [Redacted] | [Redacted] | 0.269868 | [Redacted] | 4 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9010987 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 172 | [Redacted] | 4 | 0.145638 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | [Redacted] | 1 | 4 | 3 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.479514 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9011314 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 220 | [Redacted] | 2 | 0.146636 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.374157 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9013636 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 73 | [Redacted] | 2 | 0.258488 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.235621 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9021924 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.036250 | 6.000000 | 0.010000 | 0.010000 | 0.113750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 96 | [Redacted] | 1 | 0.004934 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.428173 | [Redacted] | 1 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9029772 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 278 | [Redacted] | 6 | 0.020105 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.288224 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9044286 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 0 | [Redacted] | 0 | 0.000000 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.374172 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9046680 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 307 | [Redacted] | 5 | 0.120135 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 3 | 4 | 3 | 1 | 3 | 4 | [Redacted] | [Redacted] | 0.478137 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9048607 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 464 | [Redacted] | 9 | 0.069598 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 5 | 5 | 1 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.478631 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9050759 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.110000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 0 | [Redacted] | 0 | 0.000000 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.493173 | [Redacted] | 1 | 0.965000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9050771 | 2 | 1 | 0 | 4 | [Redacted] | 0.00 | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 120 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 175 | [Redacted] | 2 | 1.000000 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.427397 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9054417 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.111250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 4 | 3 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 78 | [Redacted] | 4 | 0.026637 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.395196 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9054989 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 84 | [Redacted] | 1 | 0.000114 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.240826 | [Redacted] | 4 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9067484 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 74 | [Redacted] | 6 | 0.184309 | [Redacted][Redacted][Redacted] |  |  | 0.00 |  | [Redacted] |  | 0.00 | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.405820 | [Redacted] | 98 | 0.420700 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9075274 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.030000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 263 | [Redacted] | 6 | 0.045471 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.499545 | [Redacted] | 1 | 0.668100 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9075345 | 2 | 1 | 0 | 4 | [Redacted] | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.116250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 208 | [Redacted] | 4 | 0.059903 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.435123 | [Redacted] | 98 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9080782 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.115000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 453 | [Redacted] | 3 | 0.058912 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | 1 | 3 | 5 | 1 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.467310 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9092596 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.028750 | 6.000000 | 0.010000 | 0.010000 | 0.106250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 227 | [Redacted] | 3 | 0.108833 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.399871 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9097097 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 120 | 0.050000 | 0.030000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 156 | [Redacted] | 2 | 0.321877 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.353542 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9102223 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 199 | [Redacted] | 4 | 0.117470 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | [Redacted] |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.463740 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9109277 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 60 | 0.020000 | 0.020000 | 6.000000 | 0.010000 | 0.010000 | 0.110000 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 205 | [Redacted] | 4 | 0.209500 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | 0.00 | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.111387 | [Redacted] | 98 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9110181 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 51 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.030000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | [Redacted] | [Redacted] | 0.00 |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 45 | [Redacted] | 2 | 0.056757 | [Redacted][Redacted][Redacted] |  |  | 0.00 | 0.00 | [Redacted] | 0.00 | 0.00 | [Redacted] | 1 | 5 | 1 | 3 | 1 | 4 | 4 | [Redacted] | [Redacted] | 0.499023 | [Redacted] | 1 | 0.615800 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9110454 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.033750 | 6.000000 | 0.010000 | 0.010000 | 0.111250 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 134 | [Redacted] | 1 | 0.002080 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.365291 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9111461 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 77 | [Redacted] | 5 | 0.026948 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 4 | [Redacted] | [Redacted] | 0.406058 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9113526 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 171 | [Redacted] | 4 | 0.024511 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.393952 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9118380 | 2 | 1 | 0 | 4 | [Redacted] | [Redacted] | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.030000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 160 | [Redacted] | 11 | 0.154790 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.411129 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 9 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9119168 | 2 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 | 0 | 4 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.035000 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | [Redacted] | [Redacted] |  | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 34 | [Redacted] | 5 | 0.091169 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.462678 | [Redacted] | 1 |  |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9119488 | 2 | 1 | 0 | 7 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.031250 | 6.000000 | 0.010000 | 0.010000 | 0.108750 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | [Redacted] | [Redacted] | [Redacted] |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 242 | [Redacted] | 4 | 0.086277 | [Redacted][Redacted][Redacted] |  |  | 0.00 | [Redacted] | [Redacted] | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 4 | 1 | [Redacted] | [Redacted] | 0.426303 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9120627 | 2 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.030000 | 3 | 0.0012500 | 84 | 0.050000 | 0.032500 | 6.000000 | 0.010000 | 0.010000 | 0.112500 | 0.030000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | [Redacted] | [Redacted] |  |  | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 37 | [Redacted] | 1 | 0.353649 | [Redacted][Redacted][Redacted] |  |  | [Redacted] |  | 0.00 |  | [Redacted] | [Redacted] | 1 | 5 |  | 3 |  | 4 |  | [Redacted] | [Redacted] | 0.423515 | [Redacted] | 1 | 1.000000 |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | [Redacted] | 3 |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | 9120629 | 2 | 1 | 0 | 9 | 0.00 | [Redacted] | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | [Redacted] | 360 | 360 |  | 2 | 0 | 0 |  |  |  |  |  | 0 | 52 | 45 | 0.027500 | 3 | 0.0012500 | 84 | 0.050000 | 0.030000 | 6.000000 | 0.010000 | 0.010000 | 0.107500 | 0.027500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 1 |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  | 93 | [Redacted] | 1 | 0.263205 | [Redacted][Redacted][Redacted] |  |  | [Redacted] | [Redacted] | 0.00 | 0.00 | [Redacted] | [Redacted] | 1 | 5 | 5 | 3 | 3 | 3 | 4 | [Redacted] | [Redacted] | 0.286359 | [Redacted] | 1 |  |  | [Redacted] |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |  | [Redacted] | [Redacted] | 0.00 |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

![](logo_ca.jpg)

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 77 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-HYB1 (the "Securitization"). The Review was conducted from June 2022 through September 2025 on mortgage loans originated between June 2022 and August 2025.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

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

<br> i. Income / Assets

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

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

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

<br> ii. Employment Status

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

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

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

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

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

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

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

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

<br> viii. Credit History

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

<br> • Determine representative credit score from credit report

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

<br> c. Review borrower's occupancy

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

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<br> e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

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

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

<br> h. Confirm Loan Approval conditions were met

<br> i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible

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

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

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

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

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

<br> iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24, 2019;

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

<br> v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised March 15, 2019; and

<br> vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised March 19, 2020.

#### Compliance Review
Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

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

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

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

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

<br> iv. HOEPA Points and Fees

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

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

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

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

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

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

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

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

------

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

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

<br> l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

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

a. Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Consolidated Analytics will alert Client.

<br> b. Review appraisal, determination that property is completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

<br> c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

<br> d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.

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

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

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

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

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

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

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

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

m. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, based on guideline from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

------

For loans reviewed in a post-close valuation review scenario (77 loans in total):

Three (3) loans had a Secondary Appraisal, one (1) loan had an AVM, and forty-five (45) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, zero (0) loans had a Second Desk Review, and seventy-seven (77) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the seventy-seven (77) mortgage loans reviewed, fifty-eight (58) unique mortgage loans (75.32% by loan count) had a total of two hundred and eighty (280) discrepancies across forty-three (43) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Escrow Flag | 35 | 12.50% |
| Property Value | 34 | 12.14% |
| Property Attachment Type | 32 | 11.43% |
| Qualifying CLTV | 16 | 5.71% |
| Qualifying LTV | 16 | 5.71% |
| Loan Purpose | 16 | 5.71% |
| Borrower 2 SSN | 11 | 3.93% |
| Originator DTI | 10 | 3.57% |
| ARM Lifetime Interest Rate Cap Maximum | 10 | 3.57% |
| Total Qualified Assets Post-Close | 10 | 3.57% |
| ARM Subsequent Interest Rate Change Frequency | 9 | 3.21% |
| Total Qualified Assets for Reserves Post-Close | 9 | 3.21% |
| Qualifying Total Reserves Number of Months | 8 | 2.86% |
| ARM Initial Interest Rate Minimum | 8 | 2.86% |
| Cash to Close | 8 | 2.86% |
| All Other Payments | 5 | 1.79% |
| Borrower 1 Qualifying Income | 4 | 1.43% |
| Application Date | 4 | 1.43% |
| Cash Out Amount | 3 | 1.07% |
| Refinance Purpose | 3 | 1.07% |
| Total Monthly Property Insurance Amount | 3 | 1.07% |
| Subject Property Type | 2 | 0.71% |

---

------

---

| | | |
|:---|:---|:---|
| Qualifying Interest Rate | 2 | 0.71% |
| Borrower 1 Last Name | 2 | 0.71% |
| Borrower 2 Last Name | 2 | 0.71% |
| Borrower 3 SSN | 1 | 0.36% |
| Resi Product Type | 1 | 0.36% |
| ARM Initial Interest Rate Cap | 1 | 0.36% |
| Pricing Doc Type | 1 | 0.36% |
| Total Closing Costs | 1 | 0.36% |
| Borrower 2 Qualifying Income | 1 | 0.36% |
| Borrower 1 SSN | 1 | 0.36% |
| Loan Originator NMLS | 1 | 0.36% |
| Borrower 3 First Name | 1 | 0.36% |
| Borrower 3 Last Name | 1 | 0.36% |
| Sales Price | 1 | 0.36% |
| Qualifying HLTV | 1 | 0.36% |
| Borrower 2 First Name | 1 | 0.36% |
| Qualifying Housing Debt Income Ratio | 1 | 0.36% |
| Original Loan Amount | 1 | 0.36% |
| Amortization Type | 1 | 0.36% |
| Escrow Indicator | 1 | 0.36% |
| Interested Party Contributions | 1 | 0.36% |
| **Grand Total** | **280** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades
**Overall Loan Results:**<br>

---

| | | | |
|:---|:---|:---|:---|
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 37 | $45832366.00 | 48.05% |
| Event Grade B | 40 | $38041777.00 | 51.95% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 77 | $83874143.00 | 100.00% |

---

------

**Credit Results:**<br>

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 42 | 54.55% |
| Event Grade B | 35 | 45.45% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 77 | 100.00% |

---

**Compliance Results:**<br>

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 69 | 89.61% |
| Event Grade B | 8 | 10.39% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 77 | 100.00% |

---

**Valuation Results:**<br>

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 74 | 96.10% |
| Event Grade B | 3 | 3.90% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 77 | 100.00% |

---

------

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

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| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | HMDA Data Tape Not Provided | 31 |
| Credit | A | Title Coverage is Less than Subject Lien | 5 |
| Credit | A | Borrower 1 Credit Report is Incomplete | 4 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 4 |
| Credit | A | Missing Letter of Explanation (Credit) | 3 |
| Credit | A | Borrower 2 Credit Report is Missing | 2 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 2 |
| Credit | A | Borrower 1 Tax Returns Not Signed | 2 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 2 |
| Credit | A | Borrower 2 IRS Transcripts Missing | 2 |
| Credit | A | No Credit Findings | 2 |
| Credit | A | The Note is Missing | 1 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 1 |
| Credit | A | Income/Employment General | 1 |
| Credit | A | Borrower 1 Credit Report is Missing | 1 |
| Credit | A | Potential Occupancy/Current Address Issues identified in the file | 1 |
| Credit | A | Borrower 1 Executed 4506-T Missing | 1 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 1 |

---

------

---

| | |
|:---|:---|
| Borrower 1 IRS Transcripts Missing | 1 |
| Missing final HUD-1 from sale of non-subject property | 1 |
| Borrower 1 Personal Tax Returns Missing | 1 |
| Missing Verification of Mortgage | 1 |
| Asset 1 Does Not Meet Guideline Requirements | 1 |
| The Deed of Trust is Incomplete | 1 |
| Borrower 1 YTD Profit & Loss Missing | 1 |
| Audited DTI Exceeds AUS DTI | 1 |
| Borrower 2 Business Tax Returns Missing | 1 |
| Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 1 |
| Asset Documents are Incomplete | 1 |
| Missing Credit Report Supplement | 1 |
| Borrower 2 Executed 4506-T Missing | 1 |
| Missing Lender Income Calculation Worksheet | 1 |
| The Total Hazard Coverage is LESS than the Required Coverage Amount | 1 |
| Missing required ARM Rider | 1 |
| ATR: Current Employment Not Verified | 1 |
| Borrower 1 Business Tax Returns Missing | 1 |
| Approval/Underwriting Summary Not Provided | 1 |
| PUD Rider is Missing | 1 |
| Borrower 2 YTD Profit & Loss Missing | 1 |
| The Deed of Trust is Missing | 1 |
| Borrower 3 IRS Transcripts Missing | 1 |
| Approval/Underwriting Summary Partially Provided | 1 |

---

------

---

| | | |
|:---|:---|:---|
| | Borrower Non-US Citizen Identification Document Missing | 1 |
| | Verification of Borrower Liabilities Missing or Incomplete | 1 |
| | Borrower 2 Personal Tax Returns Missing | 1 |
| | Borrower 2 Tax Returns Not Signed | 1 |
| | ***Total Credit Grade (A) Exceptions:*** | ***94*** |
| B | Product Type does not meet eligibility requirement(s) | 35 |
| B | Borrower 1 IRS Transcripts Missing | 16 |
| B | Income and Employment Do Not Meet Guidelines | 15 |
| B | Audited DTI Exceeds Guideline DTI | 9 |
| B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 5 |
| B | Audited Loan Amount is less than Guideline Minimum Loan Amount | 4 |
| B | Missing VOM or VOR | 3 |
| B | Borrower 1 Tax Returns Not Signed | 3 |
| B | Borrower 2 IRS Transcripts Missing | 3 |
| B | Borrower 1 Credit Report is Incomplete | 2 |
| B | Audited LTV Exceeds Guideline LTV | 2 |
| B | Borrower 1 Paystubs Missing | 2 |
| B | Income 1 Income Trend is Decreasing | 1 |
| B | Borrower 1 W2/1099 Missing | 1 |
| B | Missing Letter of Explanation (Credit) | 1 |
| B | Borrower 2 Paystubs Missing | 1 |
| B | Housing History Does Not Meet Guideline Requirements | 1 |
| B | Borrower 2 Tax Returns Not Signed | 1 |
| B | Borrower 1 Award Letter Missing | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Borrower 3 IRS Transcripts Missing | 1 |
| | | Audited Loan Amount is greater than Guideline Maximum Loan Amount | 1 |
| | | Tradelines do not meet Guideline Requirements | 1 |
| | | Asset Qualification Does Not Meet Guideline Requirements | 1 |
| | | Guideline Seasoning not Met | 1 |
| | | Delinquent Credit History Does Not Meet Guideline Requirements | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | ***112*** |
| Compliance | A | Missing Required Affiliated Business Disclosure | 34 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 5 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 5 |
| Compliance | A | ARM Disclosure Not Provided Within 3 Days of Application Date | 5 |
| Compliance | A | Charges That Cannot Increase Test | 5 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 4 |
| Compliance | A | eSigned Documents Consent is Missing | 3 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 2 |
| Compliance | A | RESPA Homeownership Counseling Organizations Disclosure Date Test | 2 |
| Compliance | A | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | 1 |
| Compliance | A | Security Instrument Indicator is Partial | 1 |
| Compliance | A | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | 1 |
| Compliance | A | ARM Disclosure is Missing | 1 |
| Compliance | A | Patriot Act Disclosure is Missing | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | ***70*** |
| Compliance | B | Qualified Mortgage Safe Harbor Threshold | 6 |
| Compliance | B | Charges That Cannot Increase Test | 2 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***9*** |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 6 |
| Property | A | FEMA Post Disaster Inspection Report not Provided | 3 |
| Property | A | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | 2 |
| Property | A | Property/Appraisal General | 2 |
| Property | A | Third Party Valuation Product not Provided | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***14*** |
| Property | B | Property/Appraisal General | 2 |
| Property | B | Second Appraisal is Missing | 1 |
| Property | B | Condo project is ineligible | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***4*** |

---

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#### Event Grade Definitions

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

---

---

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

---

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---

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

---

---

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

---

## Exhibit 99.11

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 400000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) <br>| Loan Review Complete <br>|  |  |  |  |  |  |  |  |  |  | A |
| 400000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Waived | FVAL5474 | Property | Condo project is ineligible | The subject property is a condo unit located in a Non-Warrantable complex that does not meet Lender Guidelines. The Lender has provided a signed Exception dated XX/XX/XXXX. Compensating factors: FICO 20 points over minimum requirement; Total Debt XXX% or more under requirement; Residual income $XXXK or more. | ;  | 05/12/2025 | Client waived condition for B grade. The Lender has provided a signed Exception dated 04.14.2025. Compensating factors: FICO XXXX points over minimum requirement; Total Debt 10% or more under requirement; Residual income $XXXK or more. | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX.XX%<br> D<br> B<br> C<br> A |
| 400000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The file contains an LE dated XX/XX/XXXX for a purchase of a property which appears to be a future purchase. Per an e-mail in file, the borrower intends to sell their current residence and is purchasing 2 new properties post close. The inquiry credit letter does not address this. | ; ;  | 05/12/2025 | Docs provided to support borrower's selling XXX property and downsizing with purchase of another property in same area. With current DTI of XXX%, borrowers would continue to qualify with current home PITIA plus additional REO.  | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX.XX%<br> D<br> B<br> A<br> C |
| 400000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The appraisal invoice has an order date of XX/XX/XXXX however the increase to the appraisal was not disclosed until XX/XX/XXXX which is not within XXX days. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Documentation received, XXX to review ; Document Uploaded. ;  | 07/21/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/21/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing The file contains the non-occupant co-borrower's (B2 & B3) signed 2023 personal 1040s and their 2023 business returns 1120-S. The file does not contain the corresponding IRS transcripts. | ; ; ;  | 07/17/2025 | Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 3) | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE1395 | Credit | Borrower 3 IRS Transcripts Missing | Borrower 3 IRS Transcripts Missing The file contains the non-occupant co-borrower's (B2 & B3) signed 2023 personal 1040s and their 2023 business returns 1120-S. The file does not contain the corresponding IRS transcripts. | ; ; ;  | 07/17/2025 | Borrower 3 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 3) | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). There is no extended coverage or guaranteed replacement addendums to the hazard policy provided. The only dwelling coverage listed is for $XXX which does not cover the subject loan amount of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 07/15/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts (10) additional property(ies) may be owned by an B2 and B3 with the same name and social security number as the Borrower(s). | ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/17/2025 | All Fraud Report Alerts have been cleared or None Exist | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Non-Occupant Co-Borrowers 2 & 3 own their own primary residence and 3 additional properties. The PITI for these properties has not been verified to match the Final 1003 and credit report. Lender to provide mortgage statements confirming escrows of taxes and insurance. The property on XXX indicates additional maintenance of $XXX/mo which also needs to be verified. | ; ; Documentation received, XXX to review.; Document Uploaded. Also attached now is the evidence the business owns the XXX property and the maintenance fee for XXX is the hoi.; ;  | 07/17/2025 | HOI verified  | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | The non-occupant Co-Borrowers have provided their 1040s Schedule E for 2023. A property appears on this schedule that shows a loss and is not on the Final 1003. Lender to provide evidence XXX is sold. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ;  | 07/17/2025 | ; documentation confirms business no longer owned  | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 400000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation supporting the insurance for the departing residence in XXX. <br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/22/2025 | ; Lender uploaded HOI Dec page for XXX | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> C |
| 400000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Rescinded | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. XXX acct #XXX is joint with a non-borrower (XXX). Missing required access letter.  | ; ; ; ;  | 07/22/2025 | ; Fannie guide and lender guide v4.7 does not specifically reference joint access requirements for non borrowers listed on personal access accounts ; Asset Record 1 Meets G/L Requirements | 07/22/2025 | D<br> A<br> C |
| 400000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCOM1604 | Compliance | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing documentation for secondary financing of $XXX with XXX on the departure at XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/22/2025 | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; The lender provided the first payment letter  | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> C |
| 400000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | ;  | 07/16/2025 | Approval/Underwriting Summary is fully present; Document Uploaded.  | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> B<br> C |
| 400000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing B2's previous year bonus income documentation showing a history of receiving bonus income. | ; Documentation received, XXX to review ; Document Uploaded. ;  | 07/28/2025 | EOY paystub 2024 provided for B2.  | 07/28/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain any forms of third party verification of employment. However, according to Active Variance- XXX Employee with XXX effective XX/XX/XXXX, "a VVOE may be post-close if the standard VVOE was not completed, the VVOE must be provided prior to XXX purchasing the closed loan file". Borrower is an XXX employee. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/05/2025 | VVOE provided ; Borrower 1 3rd Party VOE Prior to Close Was Provided; VOE provided is for a a different borrower. does not clear finding ; WVOE provided  | 08/05/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation on XX/XX/XXXX.<br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/01/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 08/01/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Document received. In XXX review. ; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. XXX Guide version 4.7 requires YTD paystubs and one year of W-2s for same income source over 2 years.  | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing XXX Guide version 4.7 requires YTD paystubs and one year of W-2s for same income source over 2 years.  | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Employment is sufficiently verified. However, the only income verification in file is a full WVOE which is not permitted by XXX Eligibility Guide v4.7 effective XX/XX/XXXX. Lender must also provide paystubs and W-2s. The ATR/QM/Collateral Review in file states there is a current paystub and 2024 W-2 in file. However, none has been provided. | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final 1003 states the Borrower is a FTHB and has been renting his current residence for XXXX years for $XXXX/mo. There is no verification in file for the borrower's housing payment history. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | 1 Year Treasury Index is outside of guidelines.  | ; ;  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender Asset Depletion method (use of 10 year Treasury rate of XXX%) does not match guideline requirement of XXX% | ; ; ;  | 09/05/2025 | Waived per client request via email due to gap in guidelines. Client accepts risk for B grade.  | 09/05/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> C<br> A |
| 400000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal when the Fannie UCDP score exceeds 2.5 | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide acceptable CDA ;  | 09/05/2025 | Third party valuation product provided within tolerance. | 09/05/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> C<br> A |
| 400000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/05/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A<br> C |
| 400000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing required letter of explanation for inquiries from the last 90 days  | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/14/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> C<br> A |
| 400000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/14/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> C<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender did not qualify the borrower at the greater of the start rate or fully indexed rate. Additionally, the Lender approved a DTI above XXX% even using the lower start rate payment. A blank, unsigned Exception is in file indicating "Expanded DTI". | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned departing XXX+ years. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 and ATR/QM/Collateral Review indicate the Borrowers' departing residence is owned free and clear. Although property taxes, hazard insurance, and HOA have all been verified, there is no documentation in file verifying the retained previous residence has no liens. | ; ; ;  | 08/20/2025 | Rescinding finding. HOI contained in the loan file confirms no mortgage is tied to this property.  | 08/20/2025 | D<br> B<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX 4.7 guidelines, personal tax returns must be supported by tax transcripts. Missing 2 years of personal tax transcripts to support. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned departing XXX+ years. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing Per XXX 4.7 guidelines, personal tax returns must be supported by tax transcripts. Missing 2 years of personal tax transcripts to support. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned departing XXX+ years. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned departing XXX+ years. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure Provide a copy of the signed disclosure. | ; ; ; Document Uploaded. ; Documentation received, XXX to review.;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing The file contains the Borrowers' last 2 years signed 1040s. When personal tax returns are provided, IRS Transcripts are required. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing The file contains the Borrowers' last 2 years signed 1040s. When personal tax returns are provided, IRS Transcripts are required. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender grossed up the Borrowers' Social Security benefits by XXX%. The most recent tax return provided shows a portion of their benefits are taxable and can only be grossed up XXX% which would cause the Borrowers' DTI to exceed the maximum allowed of XXX%. Lender to provide evidence their SSI benefits are not taxable. Lender also used $XXX/mo as the Co-Borrower IRA Distribution. This is far more than the previous distributions shown on her statement of $XXX YTD through XXX, XXX. Lender Guidelines require require proof of receipt for XXX months of IRA Distributions and cannot be set up or changed solely for loan qualification which it appears is the case. There is a benefit letter provided stating the benefit will commence on XX/XX/XXXX and the most recent bank statement for the funds reflecting sufficient funds for XXX payments. Lender provided an Exception for the IRA Distribution income but it is for $XXX/mo vs $XXX/mo and cites that the borrowers meet the reserve requirement of XXX mos with XXX mos in the bank (not using the XXX funds used for income). GLs require 12 months reserves for subject loan size. Borrowers only have $XXX available for reserves/ PITI $XXX = XXX mos. Cash in hand from refi of $XXX is considered borrowed funds and cannot be used to meet the reserve requirement. | ; ; We will waive for B grade. Comp Factors: 1) XXX% LTV 2) $XXX in reserves 3) mortgages paid as agreed XX/XX/XXXX-XX/XX/XXXX; ; ; ;  | 08/20/2025 | The lender waived the following exception with Comp Factors. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender used the initial payment on the Note to qualify. The subject is a 7 year ARM which requires the borrower to be qualified using the greater of the fully indexed rate of the Note rate. | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX The Borrowers' lowest middle score is XXX, and the subject transaction is a cash-out refinance of a primary residence. The only program that allows for a score below XXX under these parameters has a maximum loan amount of $XXX. | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The subject loan size of $XXX requires 12 months reserves. Borrowers only have $XXX available for reserves/ PITI $XXX = XXX mos. Cash in hand from refi of $XXX is considered borrowed funds and cannot be used to meet the reserve requirement. The Lender's ATR/QM/Collateral review and income Exception in file both indicate they meet the reserve requirement of 6 months which does not match XXX Eligibility Program v4.7 effective 04.14.2025. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal was not completed for the subject transaction. Initial appraisal was performed on XX/XX/XXXX with a XXX update dated XX/XX/XXXX.  | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Second full appraisal is required due to loan amount and purpose.  | ; ; We will waive the condition below. Comp Factors: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since 2019; ; Documentation received, XXX to review.; Document Uploaded. ; Seller to comment if 2nd appraisal was completed. ;  | 08/20/2025 | The lender waived the following exception with Comp Factors.; An appraisal updated/recertification of value has been provided. XXX guide 4.7 requires two full independent appraisals for refinances equal to or over $XXX.  | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines | ; ; ;  | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender utilized a more aggressive asset depletion calculation then required for the XXX version 4.7 program. Lender used total available assets of $XXX with a 180 amortization at XXX% for $XXX. XXX requirement of 360 months at XXX% results in a usable amount of $XXX | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose and notes the gap in their guideline updates: 1) XXX% DTI 2) XXX FICO 3) XXX% LTV. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Borrower's XPN file is frozen and no credit score was reported which is not acceptable per program guide  | ; ; waiver to be applied nothing for XXX to cure;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) XXX% LTV. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/15/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines  | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) XXX% LTV. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing The files contain signed 2022 & 2023 personal 1040s and signed 2022 & 2023 S Corp Tax Returns (1120-S). The file is missing all corresponding transcripts as required by XXX Program Eligibility Guides v4.7, effective 04.14.2025. | ; ; ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) borrower has been XXX years on job. | 09/04/2025 | Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The subject UCDP report in file dated XX/XX/XXXX contain a CU score of XXX which requires a Third Party Review Valuation. The AUS (DU) in file also reflects this score. The required Third Party Valuation Product has not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide CDA ;  | 09/04/2025 | Third party valuation product provided within tolerance. | 09/04/2025 | Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A<br> C |
| 400000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM indexed used for transaction is outside of XXX version 4.7 guidelines  | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) borrower has been XXX years on job. | 08/13/2025 | Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Credit report reflects 1x30 on the borrower's primary mortgage on XX/XX/XXXX. LOE in file addressing reason for delinquency. XXX 4.7 program requires 0x30x24 for mortgage payment history  | ; ; ; ;  | 08/20/2025 | Thank you!<br> Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File does not contain required tax transcripts and/or executed returns  | ; ; ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1354 | Credit | Borrower 2 Tax Returns Not Signed | Borrower 2 Tax Returns Not Signed All years of tax returns were not signed, and no transcripts were provided.  | ; ; Taxes are not signed. Seller to provide signed tax returns or tax transcripts. ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing Tax transcripts are required to support all personal tax returns used in qualifying  | ; ; Taxes are not signed. Seller to provide signed tax returns or tax transcripts. ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed All years of tax returns were not signed, and no transcripts were provided.  | ; Taxes are not signed. Seller to provide signed tax returns or tax transcripts. ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The maximum DTI for the XXX program version 4.7 is XXX% for a ARM loan. The qualifying terms for a 7 year ARM is the greater of the fully indexed rate or the note rate. | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received in XXX review.; Document Uploaded. ; ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Tax transcripts are required to support all personal tax returns used in qualifying  | ; Taxes are not signed. Seller to provide signed tax returns or tax transcripts. ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | One year ARM index is outside of XXX guidelines.  | ; ;  | 08/14/2025 | Thank you!<br> Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% LTV 3) $XXX in reserves. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Document received. In XXX review. ; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/03/2025 | Waived | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX XXX 4.7 Guide minimum loan amount for ARM loans is $XXX | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on job. | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX 4.7 guidelines, personal tax returns must be supported by tax transcripts. Missing 2 years of personal tax transcripts to support. | ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on job. | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines  | ; ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on job. | 08/14/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required personal tax transcripts and profit and loss statements for all BFS sources.  | ; ; ; ;  | 09/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) borrower has been on job XXX+ years. | 09/03/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Borrower 1 Trans Union credit report is frozen and did not provide a score, which is not allowed per XXX v4.7 guidelines.  | ; ; ;  | 09/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) borrower has been on job XXX+ years. | 09/03/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. |  | 09/03/2025 | Property Inspection Provided.; Major DIsaster declaration declared XX/XX/XXXX for sever storms, straight line winds flooding for subject location, missing required post disaster inspection to confirm no damage. | 09/03/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide post disaster report. XXX declared XX/XX/XXXX. | 09/03/2025 | FEMA Post Disaster Inspection report was provided. | 09/03/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the file. The disclosure tracking indicates a CD was sent and received on XX/XX/XXXX but it was not included in the file for testing.  | ; Document Uploaded. ; Documentation received, XXX to review.; Please see updated condition. File does not contain a copy of the Cd dated XX/XX/XXXX; provide for review; Document Uploaded. ; Documentation received, XXX to review.; ;  | 08/22/2025 | Initial Cd receipt date provided; Exception resolved; File does not contain a copy of the Cd dated XX/XX/XXXX; provide for review | 08/22/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is out of XXX version 4.7 guidelines  | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX FICO 3) borrower has been on job XXX+ years. | 08/14/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Credit Report must be provided for Borrower 2. Unable to confirm Borrower 2 meets all program criteria, without the credit report in file. | ; ; ; ; Document Uploaded. ; ;  | 09/04/2025 | Credit report received, exception resolved. ; Borrower 2 Credit Report is not missing. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Credit Report must be provided for Borrower 1. Unable to confirm Borrower 1 meets all program criteria, without the credit report in file. | ; ; ; ; Document Uploaded. ; ;  | 09/04/2025 | Credit report received, exception resolved. ; Borrower 1 Credit Report is not missing. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing | ; ; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing two years of tax transcripts required to support 2 years of personal tax returns used in qualifying.  | ; ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) XXX5% DTI. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM Index used for this transaction is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) XXX5% DTI. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing required CDA/CCA when CU score is greater than 2.5. Provided CU score is 2.6.  | In XXX Review. ; Document Uploaded. ; Please see updated condition. Final cert uploaded. Need CDA/secondary support to confirm appraisal value as CU score is over 2.5. ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide acceptable CDA ;  | 09/05/2025 | Property/Appraisal Meets Guidelines; Per XXX guide version 4.7 a CDA ordered from XXX, or Consolidated Collateral Analysis (CCA) is required to support the value of the appraisal when UCDP score exceeds 2.5 | 09/05/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX version 4.7 guidelines require the greater of the fully indexed rate or the Note rate. | ; ; ; ;  | 09/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) borrower has been on job XXX+ years 2) XXX FICO 3) mortgages paid as agreed since XXX. | 09/05/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided | 09/05/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $XXX is due to increase from in Title - Escrow fee. The COC in file is not clear, provide clarification on reason for increase or cure package required | ; ;  | 08/20/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside XXX version 4.7 guidelines. | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) borrower has been on job XXX+ years 2) XXX FICO 3) mortgages paid as agreed since XXX. | 08/14/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Per XXX 4.7 program guide current paystubs with YTD earnings is required  | ; ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1360 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing Per XXX 4.7 program guide current paystubs with YTD earnings is required  | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required paystubs with YTD earnings  | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Loan amount is less than the minimum requirement of $XXX for XXX versions 4.7 program  | ; ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines  | ; ; ; ;  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the addition of the Closing Protection Letter, increase to the Title Endorsement fee and Title Signing Fee. The cure provided for $XXX was not sufficient.  | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 09/04/2025 | Cure packages provided to the borrower; exception downgraded to a 2/B | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Waived | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. Lona closed as QM Presumption of Compliance. XXX 4.7 allows HPCT on 5/6 ARM, the subject loan is 5/1 ARM.  | ; ; ; ; Document Uploaded. ; Documentation received in XXX review.;  | 09/04/2025 | Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request.; Client acknowledges EV2/B finding. Exception status changed to Waived per client's email request.; Privacy policy provided did not resolve the exception. Loan is considered a higher priced covered transaction.  | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Max DTI XXX% for ARM. Loan was approved with DTI of XXX%. | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing XXX program requires tax transcripts for all 1040s used for income calclation.  | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Fannie Mae UCDP score of 2.6, a third party valuation is required  | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide CDA ;  | 09/04/2025 | Third party valuation product provided within tolerance. | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for this transaction is outside of XXX version 4.7 guidelines  | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 08/14/2025 | Original LTV is Below the Guideline Maximum<br>Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/02/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Loan DTI exceeds XXX version 4.7 of XXX% | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in the same line of work XXX years. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in the same line of work XXX years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 400000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received in XXX review.; Document Uploaded. ; ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. ; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates. ; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | 08/20/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing The Borrower's signed 2023 and 2024 1040s have been provided. However, the required corresponding IRS transcripts have not been provided. | ; ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% DTI 3) borrower has XXX+ years on job.; Borrower 1 IRS Transcripts Missing The Borrower's signed XXX and XXX 1040s have been provided. However, the required corresponding IRS transcripts have not been provided. | 08/20/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines. | ; ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% DTI 3) borrower has XXX+ years on job. | 08/13/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing required 12 month VOR for renters per XXX 4.7 guidelines | ; ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% DTI 3) borrower has been in the same line of work XXX+ years.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing required 12 month VOR for renters per XXX 4.7 guidelines | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The disclosure tracking summary shows a CD was provided to the consumer on XX/XX/XXXX but that was not provided in the file<br>| ; Document Uploaded. ; Documentation received, XXX to review.; Please see updated condition. File does not contain a copy of the CD dated XX/XX/XXXX; provide for review; Document Uploaded. ; Documentation received, XXX to review.; ;  | 08/22/2025 | Initial Cd & receipt date provided; Exception resolved; File does not contain a copy of the CD dated XX/XX/XXXX; provide for review | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates. ; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines.  | ; ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) XXX% DTI 3) borrower has been in the same line of work XXX+ years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE1764 | Credit | Missing Verification of Mortgage | The file contains an LOX from the Borrowers stating a loan inquiry dated XX/XX/XXXX from the subject Lender was "for the HELOC on our current house". The Final 1003 indicates that their departing residence is owned free and clear. Verification that no new mortgage has been opened against that property is required. DTI may need to be re-evaluated. | ; Document Uploaded. Additional documentation received, XXX to review.; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 08/29/2025 | Credit supplement confirms $XXX balance on XXX XXX.  | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. The credit report in file does not contains the co-borrower's credit profile. Additionally, the credit score used on the 1008 does not match the primary borrower's lowest middle score provided. Further review required upon receipt of the co-borrower's credit report. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/29/2025 | Credit report provide, exception resolved. ; Borrower 2 Credit Report is not missing. | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE1364 | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed 4506-T Missing The Co-Borrower is on the 1040s in file and the K-1s for a partnership loss used to calculate qualifying income. However, the required signed 4506-C for the Co-borrower has not been provided.  | ; – The co-borrower has no income listed on the URLA and the loan closed in the borrower's names and not in the name of a LLC. Seller rebuttal in XXX review. ; ;  | 08/22/2025 | Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM indexed used for transaction is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. ; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates. ; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | 08/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A |
| 400000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX% DTI 3) XXX FICO. | 08/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A |
| 400000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX Program Eligibility Guide v4.7, when 2 years personal tax returns are used to qualify income, then the 2 years of tax transcripts are required to support the tax returns. Borrower's 2 years of personal tax transcripts were not provided to support.  | ; ;  | 08/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) 787 FICO 2) borrower has been on job 4+ years 3) $2,507,295 in reserves. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. | ; ;  | 08/25/2025 | Complete credit report provided, exception resolved. ; Borrower 1 Credit Report is not partially present. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing documentation to confirm XXX Acct# XXX is paid by the borrower's business.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/25/2025 | Lender provided XXX months bank statements to show business pays the liability. Exception resolved.  | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A |
| 400000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for the transaction is outside of XXX version 4.7 guidelines. | ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) $XXX in reserves. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. ; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates. ; Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | 08/20/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> D<br> B<br> A |
| 400000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing | ; ; ; ; XXX to opine if they require or XXX to process waiver ;  | 08/20/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: Comp Factors: 1) borrower has been same job XXX+ years 2) XXX FICO 3) XXX% LTV. | 08/20/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> D<br> B<br> A |
| 400000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed 2024 and 2023 Business tax returns are not signed. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/18/2025 | Borrower 1 Tax Returns Are Signed; Borrower 1 Tax Returns Not Signed XXX and XXX Business tax returns are not signed. | 08/19/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> D<br> B<br> C<br> A |
| 400000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside XXX version 4.7 guidelines. | ; ; ; ;  | 08/11/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: Comp Factors: 1) borrower has been same job XXX+ years 2) XXX FICO 3) XXX% LTV.<br>| 08/11/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> D<br> B<br> C<br> A |
| 400000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per XXX Program Eligibility Guide v4.7, maximum DTI for 2nd home purchase that is an ARM loan is XXX%. DTI of XXX% exceeds the guideline maximum of XXX%. | ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO, 2) borrower has been in the same line of work XXX years, 3) borrower has owned primary XXX+ years.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for the transaction is outside of XXX version 4.7 guidelines. | ; ; ; ;  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: XXX FICO, borrower has been in the same line of work XXX years, the borrower has owned primary XXX+ years. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing two years tax transcripts for personal tax returns as required when tax returns are used to document borrower's income, 1040s were need to calculate the percentage of gross up for SSI retire and pension history per XXX Program Eligibility Guide v4.7. | ; ; ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned subject XXX years. | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per XXX Program Eligibility Guide v4.7, the maximum DTI for ARMs loans is XXX%, and the subject DTI is XXX%. | ; ; ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned subject XXX years. | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. Loan is considered a higher priced covered transaction | ; ; ;  | 08/22/2025 | Client accepts and acknowledges EV2/B finding. Per client request, waive for B grade on this trade.  | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Document Uploaded. ; Documentation received, XXX to review.;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The mavent shows an initial CD was provided on XX/XX/XXXX however that document was not found in file.  | ; ; Document Uploaded. ; Documentation received, XXX to review.; Please see updated condition. The file did not contain a copy of the CD dated XX/XX/XXXX, please provide for review; ; Document Uploaded. ; Documentation received, XXX to review.; ;  | 08/21/2025 | Initial CD provided; Exception resolved; The file did not contain a copy of the CD dated XX/XX/XXXX, please provide for review | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing required worksheet detailing income calculation. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/20/2025 | Income calculation provided  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | Index type is One-Year Treasury, which is an ineligible product type per XXX Program Eligibility Guide v4.7. | ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has owned subject XXX years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Loan file is missing the following documentation: 1) copies of 2024 extensions for both personal and business tax returns, 2) two years business tax returns along with 2024 and YTD profit and loss statements for XXX, 3) 2024 and YTD profit and loss statements for Consulting reported on Schedule C, 4) 2023 and 2022 W-2s for XXX, 5) signed YTD profit and loss statement for Manager Services and 6) two years personal and business tax transcripts. | ; ; ;  | 09/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX% LTV 3) XXX FICO. | 09/02/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> C<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing XXX program requires all 1040s to signed and transcripts are to be provided.  | ; ; ;  | 09/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX% LTV 3) XXX FICO. | 09/02/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed XXX program requires all 1040s to signed and transcripts are to be provided.  | ; ; ;  | 09/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX% LTV 3) XXX FICO. | 09/02/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> C<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. The subject property is located in FEMA Declared Disaster Area with no subsequent property Inspection in the file. FEMA declared XXX in a Disaster Area (XXX, XXX, and XXX) on XX/XX/XXXX with an incident start date of XX/XX/XXXX and end date of XX/XX/XXXX. Please provide a post disaster inspection confirming the subject did not sustain any damage.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 09/02/2025 | Client provided 1004D dated XX/XX/XXXX as PDI. The 1004D indicates that the subject did not have any flood damage. ; FEMA Post Disaster Inspection report was provided. | 09/02/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: missing Affiliated Business Disclosure | ; ; Document received. In XXX review. ; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/02/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCRE9549 | Credit | Missing Credit Report Supplement | Missing a copy of the finance agreement with the terms of the loan with XXX not reported on the credit report or credit supplement verifying payment of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Sales contract for XXX XXX provided  | 08/20/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> A |
| 400000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | A 7/1 ARM, with an index of One-Year Treasury and a cap of 5/2/5, is not an eligible product per XXX Program Eligibility Guide v4.7. | ; ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% DTI 2) XXX% LTV 3) XXX FICO. | 08/14/2025 | Borrower has stable job time<br>Qualifying DTI below max allowed.<br> D<br> B<br> C<br> A |
| 400000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; ; Document Uploaded. ; Documentation received in XXX review.;  | 08/29/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX | ; ; ;  | 08/29/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines 2023 1040s were not signed by the borrower, and the loan file does not contain required tax transcripts. Lender failed to provided sufficient explanation of rental income calculations and what amounts were included in DTI. Total expense for XXX appears to be the business location and was not included in DTI.  | ; ; ; ; ;  | 08/29/2025 | Loan file contains evidence that XXX was included on borrower's business balance sheet form 4562 of 1120S. Waived unsigned tax returns/missing tax transcripts per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines.  | ; ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has been on job XXX+ years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.X years on job.<br> D<br> B<br> A |
| 400000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Missing required transcripts for 1040s | ; ; ;  | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 08/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.X years on job.<br> D<br> B<br> A |
| 400000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 08/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.X years on job.<br> D<br> B<br> C<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. | ; ; ;  | 08/22/2025 | Client accepts and acknowledges EV2/B finding. Per client request, waive for B grade on this trade. | 08/22/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX due to qualifying rate not used by Lender and per 1008, Lender was only requiring 6 month reserves based on the subject. Per XXX Program Guides v4.7, reserve requirement is 12 months for the subject, 3 mos on subject for self-employed borrower, and an additional 3 mos of PITI for primary and other REO which are both financed. | ; ; ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on the job. | 08/22/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed The file contains 2 years of Borrower's personal tax returns (1040s) and 2 years 1120-Ss for each of the 3 businesses, plus 2 additional years for XXX (1120-S). None of the tax returns have been signed which is a requirement of XXX Program Guidelines v 4.7.  | ; ; ; ; Seller to provide signed tax returns or tax transcripts ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on the job. | 08/22/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing The Borrower's unsigned personal 1040s for 2022 & 2023 are in file. The required corresponding IRS transcripts have not been provided. | ; ; ; ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on the job. | 08/22/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/22/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines. | ; ; ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) borrower has XXX+ years on the job. | 08/14/2025 | Borrower has stable job time<br>Original LTV is Below the Guideline Maximum<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Fannie UCDP score of 4.2 exceeds limit of 2.5, third party valuation required  | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide CDA ;  | 09/04/2025 | Third party valuation product provided within tolerance. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX program requires all 1040s to be accompanied by transcripts.<br>| ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The max LTV for a cash out transaction on a secondary residence up to $XXXM is XXX% | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. Cure - Provide a copy of the disclosure. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A<br> C |
| 400000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index for this transaction is outside of XXX version 4.7 guidelines. | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) $XXX in reserves. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Missing two years personal and business tax transcripts as required per XXX Program Eligibility Guide v4.7. Please note that the 1040 transcripts must be provided, even if the returns are signed, to confirm the income reported. | ; ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) XXX% DTI. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing cash flow analysis using most recent three (3) months business statements to determine no negative impact to business as required per XXX Program Eligibility Guide v4.7. | ; ; ; ; XXX to opine if waiver is required due to guide differences | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) XXX% DTI. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The Borrowers' verified assets totaling $XXX do not cover required cash to close of $XXX, 12-months reserves of $XXX for the subject (9 months reserves for loan amount plus 3 months reserves for self-employed Borrowers) and 6-months reserves of $XXX for other financed REO, totaling $XXX. | ; ; ; ; guideline issue due to bulk- XXX to process exception  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) XXX% DTI. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is 2.9. Missing CDA/CCA as required when Fannie CU score exceeds 2.5 per XXX Program Eligibility Guide v4.7. | ; Doc received. In XXX review. ; Document Uploaded. ; ;  | 09/04/2025 | Third party valuation product provided within tolerance. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1304 | Credit | Income 1 Income Trend is Decreasing | Income 1 Income Trend is Decreasing The Borrowers' income had declined from 2022 to 2023. The Lender granted an exception to allow the use of lower income from 2023 that declined more than XXX% due to relocation and birth of a child based on the following compensating factors: Strong ability to re-pay, FICO score is XXX and well established in their business. | ;  | 09/04/2025 | The Lender granted an exception to allow the use of lower income from XXX that declined more than 35% due to relocation and birth of a child based on the following compensating factors: Strong ability to re-pay, FICO score is XXX and well established in their business. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A<br> C |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Missing a Form 4506-T for Form 1040 required per XXX Program Eligibility Guide v4.7. | ; Document Uploaded. ; Documentation received, XXX to review.;  | 08/20/2025 | Borrower 1 Executed 4506-T Provided | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A<br> C |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Borrowers are XXX. File is missing verification of valid and eligible visas for both Borrowers that allow the XXX the right to work and live in the XXX as required per XXX Residential Eligibility Program Supplement v6.2. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower Identification Document provided. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> A<br> C |
| 400000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | A 7/1 ARM, with an index of One-Year Treasury and a cap of 5/2/5, is not an eligible product per XXX Program Eligibility Guide v4.7. | ; ; ; XXX to process waiver  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) XXX% DTI. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> D<br> B<br> C<br> A |
| 400000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Two years of tax transcripts to support personal tax returns as required per XXX 4.7 guidelines are not contained in the loan file.  | ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: XXX% LTV, XXX% DTI, XXX FICO. | 09/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> B<br> C<br> A |
| 400000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: XXX% LTV, XXX% DTI, XXX FICO. | 09/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> B<br> C<br> A |
| 400000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per XXX 4.7 guidelines, two full appraisals are required for refinance transactions greater than $XXX. Only one appraisal was provided for review. In addition, CU score is 4.4, and no additional secondary valuation was provided.  | ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; ; XXX to comment. Need to confirm only one appraisal required per XXX guidelines. Will need CDA to support appraisal.  | 09/04/2025 | Property/Appraisal Meets Guidelines | 09/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> B<br> C<br> A |
| 400000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Credit inquiry dated XX/XX/XXXX with XXX was not addressed.  | ; Documentation received, XXX to review.; Document Uploaded. ; Need confirmation no new debt/mortgage ;  | 08/15/2025 | LOE for credit inquiry provided  | 08/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> B<br> A<br> C |
| 400000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines  | ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: XXX% LTV, XXX% DTI, XXX FICO. | 08/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> B<br> C<br> A |
| 400000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Insufficient Assets verified to meet the reserve requirement totaling $XXX. Per XXX Program Eligibility Guide v4.7, 24 months of reserves are required for a second home with a loan amount greater than $XXX which equals $XXX and 3 months reserves for the primary financed property with PITIA of $XXX are required equaling $XXX. Total reserves required equals $XXX and total assets verified post close of $XXX are insufficient to met the required reserves. Additional verified assets must be provided to meet the guidelines requirements.  | ; ; ; XXX guide vs XXX- exceptions to be processed | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 09/04/2025 | Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX Program Eligibility Guide v4.7, Borrowers employed by family require 2 years personal tax returns with 2 years tax transcripts. The Borrower is employed by his family and did provide 2 years of personal tax returns, however, the Borrower's 2 years of tax transcripts were missing and must be provided to meet guidelines. | ; ; We will waive the condition below for B grade. Comp Factors: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI; ; XXX to comment on whether their guides require - XXX to process exception based on response | 09/04/2025 | The lender waived the following exception with Comp Factors. | 09/04/2025 | Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing second full appraisal required per loan amount. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 09/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges that the Seller provided a post-close CDA with 0 variance.  | 09/04/2025 | Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing.  | ; ; Documentation received in XXX review.; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> A<br> C |
| 400000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for the transaction is outside of XXX version 4.7 guidelines. | ; ; nothing from XXX. XXX to waive in | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/12/2025 | Borrower has stable job time<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br> D<br> B<br> C<br> A |
| 400000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; ; Document received. In XXX review. ; Document Uploaded. ; ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower 3 signed the Deed of Trust on XX/XX/XXXX, which was after the disbursement date of XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; Need PCCD updating closing information with LOE and proof of delivery. ; ; XXX to opine | 08/20/2025 | The Deed of Trust is Present and Complete | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file consists of 3 borrowers who are purchasing a 2nd home. All 3 borrowers are first time home buyers and the loan applications indicate each borrower is renting at their own primary home. There was no housing history provided for any of the borrowers.  | ; ; We will waive the condition below for B grade. Comps: 1) XXX FICO 2) $XXX in reserves 3) borrower owned previous residence XXX years; ; ; XXX to view for exception based on XXX response  | 08/20/2025 | The lender waived the following exception with Comp Factors. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The file contains an escalation request by lender for a borrower not meeting the required 12 months of 3 credit lines. Lender based their exception request on the following compensating factors: high reserves, borrowers paying off debt/DTI below XXX%, and borrowers have established relationship with XXX. Lender also stated a compensating factor of each borrower has housing/rent history verified. The file did not contain verification of this housing history. | ; ; ;  | 08/20/2025 | Lender approved an exception to guidelines for B grade.  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside of XXX version 4.7 guidelines. | ; ; ; ; waiver to apply | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower owned previous residence XXX years. | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrowers' personal tax returns are not signed, and tax transcripts were not provided to support.  | ; Seller to provide signed tax returns or tax transcripts ; ; XXX to opine for waiver due to guideline difference | 08/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) borrower has owned subject XXX years. | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Affiliated Business Disclosure is missing.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Missing required signatures on 1040s and corresponding transcripts Borrower 1 IRS Transcripts Missing |  |  | Borrower 1 IRS Transcripts Provided | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Missing required signatures on 1040s and corresponding transcripts  |  |  | Borrower 1 Tax Returns Are Signed | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing Missing required signatures on 1040s and corresponding transcripts  |  |  | Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX) | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | FCRE1354 | Credit | Borrower 2 Tax Returns Not Signed | Borrower 2 Tax Returns Not Signed Missing required signatures on 1040s and corresponding transcripts  |  |  | Borrower 2 Tax Returns Are Signed or Not Applicable (Number of Borrowers equals XXX) | 08/20/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | A 7/1 ARM, with an index of One-Year Treasury and a cap of 5/2/5, is not an eligible product per XXX Program Eligibility Guide v4.7. | ; ; waiver to apply nothing for XXX | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) borrower has been on job XXX+ years 3) borrower has owned subject XXX years. | 08/14/2025 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Purchase transactions of 2 unit properties with loan amounts over $XXX are limited to XXX% LTV. | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in same line of work for XXX years. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender used $XXX of future RSU earnings for B1 which is not acceptable per 4.7 guide, two year earned average is required.  | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in same line of work for XXX years. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE1395 | Credit | Borrower 3 IRS Transcripts Missing | Borrower 3 IRS Transcripts Missing All personal returns must be verified with transcripts.  | ; ; ;  | 09/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in same line of work for XXX years. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score was not provided due to subject is 2-units. Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide acceptable CDA  | 09/04/2025 | Third party valuation product provided within tolerance. | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required: Affiliated business disclosure is missing.  | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 09/04/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 400000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for transaction is outside XXX version 4.7 guidelines. | ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX FICO 2) $XXX in reserves 3) borrower has been in same line of work for XXX years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per XXX Program Eligibility Guide v4.7, when personal tax returns are used to qualify income, then tax transcripts are required to support. Borrower's personal tax transcripts were not provided to support. | ; ; ;  | 08/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) borrower has been on job XXX+ years 2) XXX FICO 3) borrower has been in the same line of work XXX years. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI variance due to ARM qualification of the greater of the start rate or fully indexed rate at the fully amortized payment of $XXX. | ; ; ;  | 08/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) borrower has been on job XXX+ years 2) XXX FICO 3) borrower has been in the same line of work XXX years. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender credit decreased, however it appears the file is missing disclosures. There are 2 COCs in file but no disclosures were provided in file dated within 3 days of the COC | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Please see updated condition. ; Document Uploaded. ; Documentation received, XXX to review.;  | 08/25/2025 | Valid COC and applicable disclosure provided; Exception resolved; The file did not contain a disclosure dated within 3 days of the COC provided | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for the transaction is outside of XXX version 4.7 guidelines. | ; ;  | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) borrower has been on job XXX+ years 2) XXX FICO 3) borrower has been in the same line of work XXX years. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Borrower has stable job time<br> C<br> B<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Waived | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Per XXX Program Eligibility Guide v4.7, the minimum loan amount for ARM loans is $XXX. The subject 5/6 ARM loan amount of $XXX did not meet this minimum requirement. | ; ; ; waiver to apply nothing for XXX  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Waived | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Per XXX Program Eligibility Guide v4.7, when 2 years personal tax returns are used to qualify income, then the 2 years of tax transcripts are required to support the tax returns. Borrower 1's Social Security income was verified using 2 years of personal tax returns, however, the Borrower's 2 years of tax transcripts were missing and must be provided to meet guidelines. | ; ; ; Documentation received in XXX review.; Document Uploaded. ; Tax returns not signed. ; ;  | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3)XXX% DTI.; Borrower 1 IRS Transcripts Missing Per XXX Program Eligibility Guide v4.7, when 2 years personal tax returns are used to qualify income, then the 2 years of tax transcripts are required to support the tax returns. Borrower 1's Social Security income was verified using 2 years of personal tax returns, however, the Borrower's 2 years of tax transcripts were missing and must be provided to meet guidelines. | 08/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Waived | FCRE1336 | Credit | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing Per XXX Program Eligibility Guide v4.7, Social Security income must be verified by a Social Security Administration benefit verification letter. Borrower 1's Benefit letter was not provided to verify the qualifying income of $XXX. The letter must be provided to meet the guideline requirements for social security income. | ; ; ; XXX to opine if guideline waiver should apply due to bulk | 08/22/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Waived | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. HPML with established escrow and appraisal requirements met. However client does not allow HPML loans and exception was not downgraded<br>| ; ; Please see updated condition below. ; Documentation received in XXX review.; Document Uploaded. ;  | 08/22/2025 | Client accepts and acknowledges EV2/B finding. Per client request, waive for B grade on this trade.; Paystubs provided did not resolve the exception; Loan is considered a higher priced covered transaction.  | 08/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing from the file. To cure please provide the Affiliated Business Disclosure.  | ; ; Documentation received, XXX to review.; Document Uploaded. ; XXX to opine on if this is not required  | 08/22/2025 | Required Affiliated Business Disclosure Documentation Provided; Received written attestation from XXX stating that their Privacy Policy identifies all of their affiliates.  | 08/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> A |
| 400000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/08/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The ARM index used for the transaction is outside of XXX version 4.7 guidelines. | ; ; waiver to apply | 08/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (3) compensating factors for this purpose: 1) XXX% LTV 2) XXX FICO 3) XXX% DTI. | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. The executed Note is missing. Only the Adjustable Rider was provided.  | ; ; ; Document Uploaded. Documentation received, XXX to review.;  | 08/25/2025 | Note provided, exception resolved. ; The Note is Present. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX on LE XX/XX/XXXX to $XXX on CD XX/XX/XXXX for the Appraisal Fee. A COC is required to determine if the increase was valid. | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 08/25/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The Title Commitment in file dated XX/XX/XXXX reflects a Loan Policy coverage of $XXX. No other title supplements or updated commitments found in file. | ; ; ; ; ; ; in file, pushed to XXX;  | 08/25/2025 | Document Uploaded. ; Updated title provided ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI |  | ; ; In escalation ; Documentation received, XXX to review.; Document Uploaded. This is an XXX loan. The taxes on the XXX are $XXX and the qual rate is XXX%. Giving a DTI of XXX%; ; ;  | 08/25/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI and LP DTI match, and are under XXX%. ; Qualifying rate of the greater of the fully indexed rate or the Note rate for 7/6 ARM is an investor for XXX AUS v2.1; Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI of XXX% exceeds the program guide maximum of XXX% Lender/AUS property tax of $XXX is less than the audited total of $XXX reflected on the tax information sheet and $XXX reflected on the final CD. In addition, the lender qualified the borrower at the Note rate, and XXX AUS v2.1 states to qualify with greater of the fully indexed rate or the Note rate for 7/6 ARM. | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/25/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | ;  | 08/25/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report for the 3rd borrower shows an inquiry dated XX/XX/XXXX. There is no LOX in file from the borrower confirming this did not result in new credit. | ; Comment received, in XXX review; Inquiry related to Flexible Spending Credit Card opened XX/XX/XXXX \*XXX already reporting on credit. ; ;  | 08/20/2025 | Credit report reflects new open charge with no balance dated XX/XX/XXXX acct #XXX/ Finding resolved  | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The Co-Borrower's income documentation in file for 2024 continues to reflect his previous residence address, and his 2024 1040s include a Schedule E reflecting XXX days of rental income for the subject. Subject was purchased XX/XX/XXXX. Co-Borrower appears to be a non-occupant. Lender to provide letter of explanation and supporting documentation to confirm the subject is not tenant occupied. | ; Documentation received, XXX to review. ; Document Uploaded. ;  | 08/20/2025 | Lender rebuttal provides sufficient documentation to support borrower 2 residency ; Intent of borrower's occupancy supported | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A<br> B |
| 400000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The blend document indicates e-consent is still pending | ; Documentation received, XXX to review. ; Document Uploaded. ;  | 08/18/2025 | Evidence of eConsent is provided. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A<br> B |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Both Borrowers own the income producing company providing self-employment income. The Lender's income calculation worksheet indicates 2022 and 2023 1120-S business returns were analyzed for qualifying income. These tax returns are not in file along with the corresponding K-1s for each borrower. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 1 Business Tax Returns Provided | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing There is a PUD Rider in file; however, it is not signed. | ; Document Uploaded. Documentation received, XXX to review.;  | 08/20/2025 | The PUD Rider is Present or is Not Applicable (Property Type is PUD) | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1319 | Credit | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing The Personal Tax Returns (1040s) for 2022 and 2023 for both borrowers have not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 1 Personal Tax Returns Provided | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1352 | Credit | Borrower 2 Business Tax Returns Missing | Borrower 2 Business Tax Returns Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 2 Business Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX) | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1350 | Credit | Borrower 2 Personal Tax Returns Missing | Borrower 2 Personal Tax Returns Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX) | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required documentation to support business for self income  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Income and Employment Meet Guidelines | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | ATR: Current Employment Was Verified | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1326 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 1 YTD Profit & Loss Provided | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCRE1356 | Credit | Borrower 2 YTD Profit & Loss Missing | Borrower 2 YTD Profit & Loss Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/20/2025 | Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals XXX) | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCOM9469 | Credit | Missing required ARM Rider | Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. The ARM Rider is in file but not signed. | ; Document Uploaded. Documentation received, XXX to review.;  | 08/20/2025 | Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The complete, fully executed and notarized Deed of Trust is not in file. | ; Document Uploaded. Documentation received, XXX to review.;  | 08/20/2025 | The Deed of Trust is Present | 08/20/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/05/2024 | Resolved | -96375 | Compliance | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. |  |  | This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested | 04/05/2024 | D<br> A<br> C |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2024 | Resolved | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 04/05/2024 | D<br> A<br> C |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/05/2024 | Resolved | 3853 | Compliance | Patriot Act Disclosure is Missing | The Patriot Act disclosure is Missing; Lender provided completed Patriot Act disclosure for both Borrowers. Condition cleared. |  |  | The Patriot Act disclosure is Present | 04/12/2024 | D<br> A<br> C |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2024 | Resolved | 929 | Compliance | Security Instrument Indicator is Partial | The Deed of Trust section 14. and 19. allows for the assumption of the subject loan with approval of Lender.;Page 4 of the CD ; Assumption - marked that will be allowed under certain conditions. The Guidelines do not permit assumptions. ; Audit reviewed Lenders response and re-reviewed file. Condition rescinded.; Lender guidelines state assumptions are not permitted. Condition maintained.  |  |  | The security instrument indicator is Present | 04/26/2024 | D<br> A<br> C |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2024 | Resolved | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received - no level 3 discrepancies - condition cleared <br>|  |  | HMDA data tape provided. | 04/18/2024 | D<br> A<br> C |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2024 | Resolved | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received - no level 3 discrepancies - condition cleared <br>|  |  | HMDA data tape provided. | 04/17/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX.<br> ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXXXXX.XX, are greater than the Guideline Minimum of X.XX or $X.XX.<br> ; Borrower has stable job time - Borrower has X.XX years at job.<br>D<br> A<br> C |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2024 | Resolved | 1228 | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing.; Lender agreed with finding for missing eConsent. Condition retained.; Lender provided verification of eConsent. Condition cleared. |  |  | The eSigned documents consent is Present. | 04/24/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX.<br> ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXXXXX.XX, are greater than the Guideline Minimum of X.XX or $X.XX.<br> ; Borrower has stable job time - Borrower has X.XX years at job.<br>D<br> A<br> C |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2024 | Resolved | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%.; AVM received within tolerance. Condition cleared.; DD firm to order Third Party Valuation. Condition retained. |  |  | Third Party Valuation Product Provided | 04/18/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX.<br> ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXXXXX.XX, are greater than the Guideline Minimum of X.XX or $X.XX.<br> ; Borrower has stable job time - Borrower has X.XX years at job.<br>D<br> A<br> C |
| 400000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2022 | Resolved | 3606 | Credit | HMDA Data Tape Not Provided | HMDA Data Tape Not Provided |  |  | HMDA data tape provided. | 06/27/2022 | Borrower has stable job time - Borrower has X.XX years at job.<br> ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XX.XX are greater than the Guideline Minimum of X.XX. <br>D<br> A |
| 400000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2022 | Resolved | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:; XX/XX/XXXX: Lender response: The terms of withdrawal are not necessary, as the XX/XX/XXXX: 401k is from the borrower's previous employer, XXX. Withdrawal of funds in a 401k from a prior employer are always allowed, subject to an early withdrawal fee of 10% if the borrower is under the age of XXX, and subject to a 20% withholding, if the borrower takes a lump sum distribution and does not roll it into the current employer's 401k, or an IRA. If XXX is still insisting on this, we can exclude the funds, as the borrower has sufficient funds to close and reserves verified in the other accounts.; XX/XX/XXXX: Lender response: This is the borrower's previous employer, so this should not be required.; Audit has reviewed and determined that the 401K account in question is from a prior employer, therefore the terms of the withdrawal is not required, condition cleared. ; Audit reviewed lender's response and has determined XXX bullet point XXX requires documentation to evidence that the borrower is permitted to make withdrawals and that severance of the borrower's current employment is not required. Please provide documentation or updated AUS removing the 401k assets. Condition retained.; Escalated to management.; Missing terms and conditions for the borrowers 401K account that was used to qualify per XXX requirements. |  |  | The exception 'Asset Documents are Incomplete' is cleared. | 07/07/2022 | Borrower has stable job time - Borrower has X.XX years at job.<br> ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XX.XX are greater than the Guideline Minimum of X.XX. <br>D<br> A<br> C |
| 400000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/20/2025 | Acknowledged | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. |  |  | BAML approved downgrade to B | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Lender Credit Decreased from $XXX to $XXX on final CD without a valid COC. Missing the initial LE within XXX days of the application date of XX/XX/XXXX, full compliancee testing will be conducted upon receipt. | Attached PCCD which lowers the recording fees. Additionally, I do not see a CD done on XX/XX/XXXX. The XX/XX/XXXX initial CD has $XXX in lender credits, and that increases to $XXX on the final CD. I don't see any CD where it increased beyond that.; Initial LE | 03/27/2025 | Lender provided PCCD correcting recording fees. Audit reviewed Lender's response and has determined the CD dated XX/XX/XXX is for the initial purchase of the subject property and should not be included in the testing on the subject transaction. Audit re-ran compliance and has determined the Lender credits and fees are within tolerance. Condition cleared.; Lender provided PCCD correcting recording fees. Audit reviewed Lender's response and has determined the CD dated XX/XX/XXXX is for the initial purchase of the subject property and should not be included in the testing on the subject transaction. Audit re-ran compliance and has determined the Lender credits and fees are within tolerance. Condition cleared.; Lender provided Initial LE and audit re-ran testing. Please provide a valid COC for decrease in Lender credits from $XXX on the Initial CD dated XX/XX/XXXX to $XXX on the final CD and valid COC for increase in recording fees over the 10% tolerance from $XXX on initial LE x 10% = $XXX tolerance to $XXX on the final CD or provide cure of $XXX. I appears loan amount and interest rate changed; however, audit is unable to determine if the updated fees were re-disclosed within 3 days of discovery. Condition retained.;  | 03/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The 10% tolerance violation in the amount of $XXX is due to the LE issued within 3 days of the application date is missing. Missing the initial LE within 3 days of the application date of XX/XX/XXXX, full compliancee testing will be conducted upon receipt. |  |  | Lender provided PCCD correcting recording fees. Audit reviewed Lender's response and has determined the CD dated XXX is for the initial purchase of the subject property and should not be included in the testing on the subject transaction. Audit re-ran compliance and has determined the Lender credits and fees are within tolerance. Condition cleared.; Lender provided Initial LE. Please provide valid COC for decrease in Lender credits from $XXX on the Initial CD dated XX/XX/XXXX to $XXX on the final CD and valid COC for increase in recording fees over the 10% tolerance from $XXX on initial LE x 10% = $XXX tolerance to $XXX on the final CD or provide cure of $XXX. I appears loan amount and interest rate changed; however, audit is unable to determine if the updated fees were re-disclosed within 3 days of discovery. Condition retained.; This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 03/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The 0% tolerance violation in the amount of $XXX is due to the LE issued within 3 days of the application date is missing. Missing the initial LE within 3 days of the application date of XX/XX/XXXX, full compliancee testing will be conducted upon receipt. |  |  | Lender provided initial LE. Audit re-ran testing and has determined zero tolerance fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran testing and has determined zero tolerance fees are within tolerance. Condition cleared. | 03/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Cure Required. The initial LE in file is dated XX/XX/XXXX and is greater than XXX days after the application date of XX/XX/XXXX. |  |  | Lender provided initial LE. Condition cleared.; Lender provided initial LE. Condition cleared. | 03/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Homeownership counseling list in file is dated XX/XX/XXXX and is greater than 3 days after the application date of XX/XX/XXXX. | Homeownership Counseling list 2.18 | 03/25/2025 | Lender provided Homeownership Counseling Disclosure dated XX/XX/XXXX. Condition cleared. | 03/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). | ARM Disclosure | 03/25/2025 | Lender provided ARM Disclosure dated XX/XX/XXXX. Condition cleared.; ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable.; ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). | 03/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape provided. The loan is pending HMDA data review. Due Diligence firm to complete. Condition for informational purposes only. Additional conditions may apply.  |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/02/2025 | Borrower has stable job time - Borrower has X.X years on job.<br> D<br> A<br> C |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA for the property at XXXX. Additional conditions may apply.  | UW LOE | 04/01/2025 | Audit reviewed Lender's response and has determined Borrower was renting property XXX; therefore, verification of the HOA is not required. Condition cleared. | 04/02/2025 | Borrower has stable job time - Borrower has X.X years on job.<br> D<br> A<br> C |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Cure Required. Initial LE and Written List of Service Providers in file dated XX/XX/XXXX, more than XXX days after the application date of XX/XX/XXXX. Please provide the initial LE and XXX within 3 days of the application date. | Initial LE | 03/28/2025 | Lender provided initial LE. Condition cleared.; Lender provided initial LE. Condition cleared. | 03/31/2025 | Borrower has stable job time - Borrower has X.X years on job.<br> D<br> A<br> C |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The 10% tolerance violation in the amount of $XXX is due to the LE issued within 3 days of the application date missing from the loan file.  | Initial LE | 03/28/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 03/31/2025 | Borrower has stable job time - Borrower has X.X years on job.<br> D<br> A<br> C |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the LE issued within 3 days of the application date missing from the loan file.  | Initial LE | 03/28/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 03/31/2025 | Borrower has stable job time - Borrower has X.X years on job.<br> D<br> A<br> C |
| 400000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> C<br> A |
| 400000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> C<br> A |
| 400000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> C<br> A |
| 400000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). Missing ARM disclosure dated within 3 days of application date. The ARM disclosure found in the loan file is dated XX/XX/XXXX. | ARM Disclosure | 05/05/2025 | ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable. Received missing disclosure form lender. | 05/07/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | XXX | 05/05/2025 | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide the title supplement/update showing sufficient coverage.  | please cancel condition, title supplement reflecting $XXX was provided in the initial file upload page 967. | 05/06/2025 | Audit reviewed Lender's response and has determined title supplement changing loan amount coverage to $XXX was in the loan file on page XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A<br> B |
| 400000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> C<br> A<br> B |
| 400000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing ABD | aba lox | 06/17/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 06/18/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br> C<br> A<br> B |
| 400000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Documentation required to clear exception. Missing ARM disclsoure within 3 days of application XX/XX/XXXX.  | The ARM Disclosure was provided to the BR on XX/XX/XXXX and signed by the borrower which is within 3 business day of the application date | 06/25/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> C |
| 400000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the 3 days of application. The homeownership counseling organizations disclosure provided to the borrower on XX/XX/XXXX was not provided within 3 days of application date of XX/XX/XXXX per e-sign process summary pg 444.  | The Homeownership Counseling Organizations Disclosure was provided to the BR on XX/XX/XXXX and signed by the borrower which is within 3 business day of the application date | 06/25/2025 | Lender provided Homeownership Counseling Disclosure. Condition cleared.; Lender provided Homeownership Counseling Disclosure. Condition cleared. | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> C |
| 400000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> D<br> A<br> C |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. 1st esigned doc in the file is dated XX/XX/XXXX; Please provide e-consent dated XX/XX/XXXX or before.  | econsent | 06/24/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 06/25/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test. Initial CD provided XX/XX/XXXX and acknowledged XX/XX/XXXX and consummation date XX/XX/XXXX which is less than 3 days prior to consummation. | XXX dated XX/XX/XXXX | 06/25/2025 | Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 06/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The following income could not be verified with the documentation in file. Borrower 2: XXX base pay of $XXX and overtime of $XXX. The W2 in file for 2024 ,shows XXX income and a note on the 2023 paystubs states and W2 was not filed. Please provide your calculations and supporting documentation. Additional conditions may apply.  | Please see rebuttal and attachments | 06/24/2025 | Lender provided letter from XXX (XXX) verifying Borrower's employment, web search how XXX are paid and that their pay is tax free and does not have to be filed on tax returns. Web search also explains why W2's shows zero income, XXX year end paystub and explanation from Lender how income was calculated. The YTD paystub, XXX and XXX year end pay stubs are in the loan file and supports the income calculated by the Lender on the income calculator. Income is non taxable; therefore, can be grossed up. Condition cleared.; Income and Employment Meet Guidelines | 06/25/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). | ARM Disclosure | 06/24/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable. | 06/25/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1. Missing proof of taxes for the property at XXX. <br> 2. Lender to provide proof that the property at XXX is free and clear. Final 1003 shows as Free and clear. Fraud report shows a lien of $XXX. <br> 3. Lender to provide satisfactory explanation and disposition of an undisclosed property that appears on Schedule E on 2024 AND 2023 personal tax returns as a rental. The property address is XXX. Additional conditions may apply.  | XXX was sold, please see attachment showing owner as not the borrower | 06/25/2025 | Lender provided tax assessment for property XXX verifying property is not owned by Borrower. The fraud report verifies taxes for property XXX, tax return reflects property XXX does not have mortgage interest indicating property does not have a mortgage lien and title report on property verifies there are no open liens. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA declared XXX in a disaster area (XXX) on XX/XX/XXXX, with no declared release date. The appraisal in file is dated XX/XX/XXXX and shows no damage, however, the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required.  | PDI | 06/30/2025 | Lender provided PCI dated XX/XX/XXXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; FEMA Post Disaster Inspection report was provided. | 07/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> A<br> C |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX in a disaster area (XXX) on XX/XX/XXXX, with no declared release date. The appraisal in file is dated XX/XX/XXXX and shows no damage, however, the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required.  | PDI | 06/30/2025 | Lender provided PCI dated XX/XX/XXXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; Property Inspection Provided. | 07/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> A<br> C |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br> D<br> A<br> C |
| 400000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Please provide additional assets. The borrower is short for cash to close and reserves requirement of 6 months. Please provide additional assets.<br> Missing source for the following large deposits: XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX found in the bank statements. Note: The large deposits were not deducted from the account balances. (EMD is sourced) | Please see attached. ; All those deposit are all liquidating investments from within which show in the transaction section of the statement as sales. Also the $XXXk into xXXX came from xXXX you can see that on the transaction history already. | 07/28/2025 | Condition resolved as we have received evidence of the deposit of $XXX dispersed to the title company from lender. ; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Lender provided IRA statements explaining large deposits are from stock sales. The balances on the most current IRA statements do not supports the assets used by Lender in qualification. Lender included an amount of $XXX for account ending in XXX; however, the most current IRA statement reflects a balance of $XXX. The balances on the most current statements do not support cash to close and reserves. Please provide documentation verifying the withdrawal of $XXX was wired to the title company for the subject transaction or provide documentation to support Lender asset calculation. Condition retained. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing Final Settlement Statement or Seller CD reflecting the property at XXX was sold. Note: The PITI of the property stated above was excluded from the DTI. | There is a non-contingent contract in file for XXX and also reuploaded , which does comply with Fannie policy for the debt exclusion for the pending sale | 07/11/2025 | Lender provided purchase contract for sale of property XXX. Audit confirmed the purchase contract meets FNMA Selling Guide requirements for the omission of the property pending sale. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is less than total amount of subject lien $XXX. | title | 07/11/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/14/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br> C<br> A<br> B |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing evidence that the property at XXX was sold. Please provide property profile report. | property sold | 07/11/2025 | Lender provided property detail report for property XXX verifying property was sold. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/14/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br> C<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br> C<br> A |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount preliminary title is not listed or less than Total Amount of Subject Lien $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Supplement for loan amount | 07/11/2025 | Lender provided Supplemental Title Report reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/15/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Loan amount is not higher than conforming limit. | AUS | 07/14/2025 | Audit reviewed Lender's response and has determined the AUS reflects approve / eligible, which meets guideline overlay requirements for loan at least $1 above conforming limit but below the high balance conforming limit. The loan amount on the subject transaction is $XXX, which is at least $1 above the conforming loan limit of $XXX but below the high balance conforming limit of $XXX. Condition cleared.; Approval/Underwriting Summary is fully present; Material Finding | 07/15/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/03/2025 | Acknowledged | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. HPML compliant | COMPLIANCE LOX  | 07/23/2025 | ; Condition resolved, this will remain a Non material B grade. ; Audit reviewed Lender's response and has determined subject transact is HPML, BAML approval required. Condition retained.; Material Finding | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> B<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/03/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation Required to clear exception: File is missing Initial Loan Estimate dated XX/XX/XXXX. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> B<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/03/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. <br>Please provide the initial LE issued within 3 business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.  |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> B<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. <br>Please provide the initial LE issued within 3 business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.  | LE'S & CD'S PROVIDED TO BORROWERS  | 07/14/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> B<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> B<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). |  |  | Lender provided the initial LE. The loan started out as a fixed rate loan and changed to an ARM on XX/XX/XXXX. The ARM disclosure was provided within 3 days of the change to an ARM. Condition cleared.; ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Related to initial LE delivery exception. |  |  | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required. Please provide a copy of the initial LE and Written List of Service Providers within 3 days of the application date.<br>Application date of XX/XX/XXXX; Initial LE dated XX/XX/XXXX, not within required 3 day period. | Initial LE dated XX/XX/XXXX uploaded | 07/14/2025 | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Related to initial LE delivery exception. Please provide a copy of the initial LE and Written List of Service Providers within 3 days of the application date. |  |  | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> C<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). Documentation Required:<br> Application Date is XX/XX/XXXX; however 1st ARM disclosure is dated XX/XX/XXXX. Missing ARM disclosure that was provided within 3 days of application date XX/XX/XXXX | ARM Disclosure | 07/18/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable. | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br> C<br> A |
| 400000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts: All of the required participants have not been entered and Buyer Agent name is on High Risk Watchlist. | Updated DRIVE report uploaded. | 07/23/2025 | Lender provided updated fraud report reflecting high alerts cleared and all parties to loan included in OFAC searches. Condition cleared.; All Fraud Report Alerts have been cleared or None Exist | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |

---

## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 400000011 | XXXXX |  | $XXXXXX<br> A |
| 400000013 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 400000015 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 400000017 | XXXXX |  | $XXXXXX<br> D<br> A |
| 400000019 | XXXXX |  | $XXXXXX<br> A |
| 400000021 | XXXXX |  | $XXXXXX<br> D<br> C<br> A |
| 400000023 | XXXXX |  | $XXXXXX<br> C<br> A |
| 400000025 | XXXXX |  | $XXXXXX<br> D<br> C<br> A |
| 400000027 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000029 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000031 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000033 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000035 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000037 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000039 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000041 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000043 | XXXXX |  | $XXXXXX<br> C<br> D<br> B<br> A |
| 400000045 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000047 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000049 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000051 | XXXXX |  | $XXXXXX<br> D<br> C<br> B<br> A |
| 400000053 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000055 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000057 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000059 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000061 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000063 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000065 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000067 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000069 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000071 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000073 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000075 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000077 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000079 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000081 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000083 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 400000085 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000087 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000089 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000091 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 400000093 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 400000095 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 400000097 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000099 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 400000101 | XXXXX |  | $XXXXXX<br> D<br> A |
| 400000103 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000105 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000107 |  |  | $XXXXXX<br> D<br> A |
| 400000109 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000111 |  |  | $XXXXXX<br> C<br> A |
| 400000113 |  |  | $XXXXXX<br> C<br> A |
| 400000115 |  |  | $XXXXXX<br> C<br> A |
| 400000117 |  |  | $XXXXXX<br> C<br> A |
| 400000119 |  |  | $XXXXXX<br> C<br> A |
| 400000121 |  |  | $XXXXXX<br> C<br> A |
| 400000123 |  |  | $XXXXXX<br> C<br> A |
| 400000125 |  |  | $XXXXXX<br> C<br> A |
| 400000127 |  |  | $XXXXXX<br> C<br> A |
| 400000129 |  |  | $XXXXXX<br> C<br> A |
| 400000131 |  |  | $XXXXXX<br> C<br> A<br> D |
| 400000133 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000135 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000137 |  |  | $XXXXXX<br> C<br> A |
| 400000139 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000141 |  |  | $XXXXXX<br> C<br> A |
| 400000143 |  |  | $XXXXXX<br> C<br> A |
| 400000145 |  |  | $XXXXXX<br> C<br> A |
| 400000147 |  |  | $XXXXXX<br> C<br> A |
| 400000149 |  |  | $XXXXXX<br> C<br> A |
| 400000151 |  |  | $XXXXXX<br> C<br> A |
| 400000153 |  |  | $XXXXXX<br> C<br> A |
| 400000155 |  |  | $XXXXXX<br> C<br> A |
| 400000157 |  |  | $XXXXXX<br> C<br> A |
| 400000159 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000161 |  |  | $XXXXXX<br> C<br> A |
| 400000163 |  |  | $XXXXXX<br> C<br> B<br> A |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400000011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 400000013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000017 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000019 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | .0076 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 400000021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 400000029 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 400000031 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 400000033 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 400000035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400000037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000039 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 400000041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 400000043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000045 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400000047 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 400000051 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 400000055 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 400000059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 400000061 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 400000063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 400000065 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 400000067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000069 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000071 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400000073 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400000075 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000079 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | -.0441 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0441 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 400000081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 400000083 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 400000085 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000093 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 400000095 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000097 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000099 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000101 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 400000103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1075 | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Unknown | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000105 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.78 | 94 | 6 | HouseCanary |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 400000107 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Unknown | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000109 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0265 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 400000111 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000113 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0441 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0441 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 400000115 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0135 | Desk Review |  |  |  |  | $XXX | $XXX | -.0135 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0135 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 400000117 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 400000119 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400000121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000123 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 400000125 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 400000127 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 400000129 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 400000131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400000135 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0476 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400000137 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000139 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 400000141 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 400000143 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 400000145 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 400000147 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400000149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400000151 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000153 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 400000155 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 400000157 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 400000161 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 400000163 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400000011 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 63.63 | 61.75 | Audit LTV of XXX% matches lender calculation. |
| 400000011 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 63.63 | 61.75 | Audit CLTV of XXX% matches lender calculation. |
| 400000013 | XXXXX |  | XXX | Borrower 2 Last Name | notePage | XXXXX | XXXXX | The Note reflects B2 as Jr. |
| 400000015 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI verified debts/income.  |
| 400000019 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | Limited Cash-Out | No Cash-Out | PCCD confirms limited cash-out. |
| 400000021 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value $XXX per appraisal; true data value is the original sales price of $XXX. |
| 400000021 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Sales price per purchase contract $ XXX.<br>|
| 400000021 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% exceeds lender calculated DTI of XXX% due to qualifying rate for 7/6 ARM greater of note rate or fully indexed rate. Lender used start rate of XXX%. |
| 400000023 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Per appraisal report, subject property is semi-detached. |
| 400000023 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | PUD | Single Family | The Appraisal and Mortgage confirm the subject property is a detached PUD. |
| 400000027 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audited value of $XXX is appraised value. Tape data value of $XXX is NOT sales price. Sales Price is $XXX.  |
| 400000027 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Appraisal confirms subject is detached SFR. |
| 400000027 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000029 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Per final 1008, subject transaction was a refinance. |
| 400000029 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject property value was $XXX. |
| 400000029 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Per appraisal report, subject property is detached. |
| 400000029 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000029 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final 1008, DTI was XXX%. Difference is due to the asset depletion income. Client used $XXX/mo. versus $XXX/mo. Client used assets divided by 180 months, instead of over life of loan.  |
| 400000031 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The appraisal confirms value of $XXX. |
| 400000031 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Final 1003 and credit report confirm B2's SS#. |
| 400000031 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | The appraisal confirms the property is a detached PUD. |
| 400000031 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000033 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The appraisal provided confirms the value of $XXX. |
| 400000033 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | The subject is a cash-out refinance of a construction loan. |
| 400000033 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | The SS# entered has been verified with the Final 1003 & credit report. |
| 400000033 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | The appraisal confirms the property is a detached PUD. |
| 400000033 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000033 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | The Lender was using the payment from the fixed period. Guides require the use of the higher fully indexed rate, |
| 400000035 | XXXXX |  | XXX | Loan Purpose | the1003Page | Purchase | Refinance | 1008, Final CD, and purchase contract confirm this is a purchase transaction. |
| 400000035 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value per appraisal. |
| 400000035 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000035 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 71.34 | 76.92 | Audit LTV/CLTV matches lender calculation. |
| 400000035 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 71.34 | 76.92 | Audit LTV/CLTV matches lender calculation. |
| 400000035 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000035 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | AssetDepletion | FullDocumentation | Income type is asset depletion per documentation and approval in file. |
| 400000037 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | The Final 1003 and credit report confirm B2's SS#. |
| 400000037 | XXXXX |  | XXX | Loan Purpose | the1003Page | Purchase | Refinance | 1008, Final CD, and purchase contract confirm this is a purchase transaction. |
| 400000037 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal in file confirms property value. |
| 400000037 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | The Final 1003 and credit report confirm B1's SS#. |
| 400000037 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 75.0 | 32.26 | Purchase price and loan amount confirm CLTV. |
| 400000037 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Appriasal confirms subject is detached PUD. |
| 400000037 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 75.0 | 32.26 | Purchase price and loan amount confirm LTV. |
| 400000037 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000039 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value of $XXX per appraisal  |
| 400000039 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Transaction is a cash out refinance  |
| 400000039 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000039 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000041 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value $XXX per Appraisal  |
| 400000041 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Single Family Detached per appraisal  |
| 400000041 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000043 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value of $XXX per final appraisal.  |
| 400000043 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000043 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000043 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% from income calculations differ from lender calculation.  |
| 400000045 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value $XXX per appraisal  |
| 400000045 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Per Final CD. Loan is a Delayed Purchase Refinance |
| 400000045 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | B2 SSN # verified with final 1003. |
| 400000045 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000045 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000047 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject property value was $XXX |
| 400000047 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Per final 1008, subject transaction is a rate and term refinance. |
| 400000047 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Per appraisal report, subject property is detached. |
| 400000047 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final 1008, DTI was XXX%. Difference is due to the qualifying payment. Client used initial payment, when guidelines require the greater of the fully indexed rate or the Note rate. |
| 400000047 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000049 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | $XXX per appraisal  |
| 400000049 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000049 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000051 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value of $XXX per appraisal  |
| 400000051 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached PUD per appraisal. |
| 400000051 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000051 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Cash out refinance per final CD. |
| 400000053 | XXXXX |  | XXX | Loan Purpose | the1003Page | Purchase | Refinance | 1008, Final CD, and purchase contract confirm this is a purchase transaction. |
| 400000053 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | $XXX value per appraisal. |
| 400000053 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 80.0 | 62.75 | LTV is XXX per all documentation in the file. |
| 400000053 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | SFR Detached per appraisal. |
| 400000053 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 80.0 | 62.75 | LTV is XXX per all documentation in the file. |
| 400000053 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Partial | Yes | Escrow for flood insurance only per final CD. |
| 400000055 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The Appraisal confirms value. |
| 400000055 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | The Appraisal confirms property is detached PUD. |
| 400000055 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000057 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 77.87 | 115.45 | Loan amount $XXX/value $XXX =XXX% CLTV. |
| 400000057 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value per appraisal, $ XXX |
| 400000057 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Detached per appraisal.  |
| 400000057 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000057 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 77.87 | 115.45 | Loan amount $XXX /value $XXX = XXX% LTV. |
| 400000059 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 80.0 | 106.67 | The Note loan amount/Purchase contract and FCD purchase price confirms CLTV. |
| 400000059 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The Appraisal confirms the value. |
| 400000059 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXXXX | XXXXX | The Note confirms the Borrower's last name suffix. |
| 400000059 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | The Appraisal confirms the subject is a detached SFR. |
| 400000059 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000059 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 80.0 | 106.67 | The Note loan amount/Purchase contract and FCD purchase price confirms LTV. |
| 400000061 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value is $ XXX<br>|
| 400000061 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | B2 SSN is XXX-XXX-XXX. |
| 400000061 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 57.45 | 85.17 | Loan amount $XXX/ value $XXX = XXX% CLTV. |
| 400000061 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 57.45 | 85.17 | Loan amount $XXX/ value $XXX = XXX% LTV. |
| 400000061 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Subject is detached per appraisal in file.  |
| 400000061 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000063 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 75.0 | 296.05 | Per Loan amount and Appraised value. |
| 400000063 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | value $XXX Per Appraisal |
| 400000063 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Single family detached Per Appraisal |
| 400000063 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000063 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 75.0 | 296.05 | Per Loan amount and Appraised value. |
| 400000065 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject property value was $XXX |
| 400000065 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 25.37 | 40.67 | Per final 1008, LTV was XXX%. |
| 400000065 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 25.37 | 40.67 | Per final 1008, CLTV was XXX%. |
| 400000065 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Per appraisal report, subject property is detached. |
| 400000065 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Per final CD, cash to borrower was $XXX |
| 400000065 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000065 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | Cash-Out | No Cash-Out | Per documentation in the file, subject transaction was a cash out refinance. |
| 400000067 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 400000067 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000069 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value confirmed using appraisal. |
| 400000069 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000069 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | C/O refinance per final CD. |
| 400000071 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value confirmed using appraisal. |
| 400000071 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Property type confirmed using appraisal. |
| 400000071 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000071 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | C/O Refinance per final CD. |
| 400000071 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit calculated total debts higher due to qualifying terms, resulting in a DTI of XXX%.  |
| 400000073 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Borrower 2 SSN confirmed ending in XXX. |
| 400000073 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal confirms value is $XXX |
| 400000073 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Appraisal confirms property is detached. |
| 400000073 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000073 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Loan is a refinance. Borrowers are paying off a private loan. |
| 400000073 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI confirmed from income and liabilities in the loan file. Per the final loan application, the net rental loss for XXX states $XXX. This figure does not match up to the PITIA of only $XXX, which was confirmed via mortgage statement. Also, there is a current rental lease for this property showing $XXX monthly rental income. Audit did not include the lender's rental loss for this property resulting in a lower DTI. |
| 400000075 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value is $ XXX<br>|
| 400000075 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | B2 SSN XXX-XXX-XXX. |
| 400000075 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Transaction is a Refinance<br>|
| 400000075 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000077 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The Appraisal confirms the value. |
| 400000077 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | The Appraisal confirms the subject is a detached PUD. |
| 400000077 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000079 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | Total cash out per final CD including 2nd payoff. |
| 400000079 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Appraisal reflects detached SFR. |
| 400000079 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000081 | XXXXX |  | XXX | Loan Purpose | the1003Page | Purchase | Refinance | Loan purpose per final CD. |
| 400000081 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Property value confirmed using appraisal. |
| 400000081 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 79.37 | 35.33 | LTV based on appraised value. Tape data value is unknown. |
| 400000081 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Property type confirmed using appraisal. |
| 400000081 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 79.37 | 35.33 | CLTV based on appraised value. Tape data value is unknown. |
| 400000081 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000083 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Single family detached per appraisal. |
| 400000083 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000083 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | No Cashout Refi. |
| 400000085 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 43.0 | 176.87 | CLTV verified with 1008/valuation. |
| 400000085 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | $XXX per appraisal  |
| 400000085 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Single family detached per appraisal. |
| 400000085 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000085 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 43.0 | 176.87 | LTV verified with 1008/valuation. |
| 400000087 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal confirms value is $XXX |
| 400000087 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | SSN confirmed from final loan application and credit report. |
| 400000087 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Appraisal confirms the property is detached. |
| 400000087 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000089 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | per appraisal |
| 400000089 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Verified SSI# per final 1003. |
| 400000089 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 80.0 | 111.69 | XXX% LTV per 1008. |
| 400000089 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | PUD detached per Per Appraisal |
| 400000089 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 80.0 | 111.69 | 1008 reflects XXX% CLTV. |
| 400000089 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% higher than lender DTI of XXX% due to qualifying payment of 7/1 ARM per Sequoia guide.  |
| 400000089 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000091 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 80.0 | 95.14 | Per final 1008, CLTV was XXX%. |
| 400000091 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject property value was $XXX |
| 400000091 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | No | Yes | Per final CD, no escrow account was established.  |
| 400000091 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 80.0 | 95.14 | Per final 1008, LTV was XXX%. |
| 400000091 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% is higher than lender DTI of XXX% due to qualifying payment method for 7/1 ARM. |
| 400000093 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | SSN Confirmed with final 1003 and credit report. |
| 400000093 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 80.0 | 116.72 | FInal 1008, loan/value- XXX% LTV. |
| 400000093 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value of $XXX Per Appraisal |
| 400000093 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | PUD detached per Per Appraisal |
| 400000093 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000093 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 80.0 | 116.72 | Per Appraised Value and Loan Amount. |
| 400000095 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value of $XXX Per Appraisal |
| 400000095 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | Detached | Attached | Subject is a SFR Detached Per Appraisal. |
| 400000095 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | Yes | No | Final CD reflects escrow for taxes and insurance. |
| 400000095 | XXXXX |  | XXX | Loan Purpose | the1003Page | Refinance | Purchase | Per Final CD, 1008, Loan Approval. |
| 400000097 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Final 1003 and Credit Report confirm B2 SS# vs B3#. |
| 400000097 | XXXXX |  | XXX | Borrower 3 Last Name | notePage | XXXXX | XXXXX | The Final 1003 and Mortgage confirm B3's last name. |
| 400000097 | XXXXX |  | XXX | Borrower 1 Last Name | notePage | XXXXX | XXXXX | The Final 1003 and Mortgage confirm B1's last name suffix. |
| 400000097 | XXXXX |  | XXX | Borrower 3 SSN | the1003Page | XXX | XXX | Final 1003 and Credit Report confirm B3 SS# vs B2#. |
| 400000097 | XXXXX |  | XXX | Borrower 3 First Name | notePage | XXX | XXX | Note confirms B3's first name. |
| 400000097 | XXXXX |  | XXX | Borrower 2 First Name | notePage | XXX | XXX | Note confirms B2's first name. |
| 400000097 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | Limited Cash-Out | No Cash-Out | Final CD confirms Borrowers receiving cash back < $2K. |
| 400000097 | XXXXX |  | XXX | Borrower 2 Last Name | notePage | XXXXX | XXXXX | Note and Final 1003s confirm B2's last name. |
| 400000099 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | 74.52 | 75 | Subject loan/appraised value confirms CLTV. |
| 400000099 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | 74.52 | 75 | Subject loan/appraised value confirms LTV. |
| 400000099 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | FCD confirms cash-out which includes numerous debts paid at close. |
| 400000101 | XXXXX |  | XXX | Original Loan Amount | rwtGet1Page | XXX | XXX | The Note confirms the loan amount. |
| 400000101 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | PUD | Single Family | The Appraisal and Mortgage confirm the subject property is a detached PUD. |
| 400000107 |  |  | XXX | Amortization_Type | Amortization_Type | Fixed | Adjustable | Audited data confirmed with Note.  |
| 400000107 |  |  | XXX | Escrow_Indicator | Escrow_Indicator | Taxes and Insurance | No Escrows | Confirmed with Final CD. |
| 400000107 |  |  | XXX | Resi_Product_Type | Resi_Product_Type | 7/23 SOFR_AVG | 7/6 ARM | Audited data confirmed with Note.  |
| 400000109 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000109 |  |  | XXX | Loan Originator NMLS | notePage | XXX | XXX | Audited data confirmed with Note.  |
| 400000109 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Confirmed with compliance documents in loan file.  |
| 400000109 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | XXX | XXX | Per income documents. |
| 400000109 |  |  | XXX | All Other Payments | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 400000109 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Per asset documents. |
| 400000109 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 400000111 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.115 | Audited data confirmed with Note.  |
| 400000117 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000117 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000117 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD.  |
| 400000117 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 400000117 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11625 | Audited data confirmed with Note.  |
| 400000119 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Confirmed with compliance documents in loan file.  |
| 400000119 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11375 | Audited data confirmed with Note.  |
| 400000123 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000123 |  |  | XXX | ARM Initial Interest Rate Cap | notePage | 5 | 0.05 | Audited data confirmed with Note.  |
| 400000123 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.115 | Audited data confirmed with Note.  |
| 400000123 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000123 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Confirmed with compliance documents in loan file.  |
| 400000123 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | XXX | XXX | Per income documents. |
| 400000123 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD. |
| 400000123 |  |  | XXX | Qualifying HLTV | propertyValuationPage | 75.07 | 75.06 | Due to rounding. |
| 400000123 |  |  | XXX | Qualifying CLTV | propertyValuationPage | 75.07 | 76.0 | Due to rounding. |
| 400000123 |  |  | XXX | Qualifying LTV | propertyValuationPage | 75.07 | 76.0 | Due to rounding. |
| 400000123 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 121.78 | 6.0 | Confirmed with system calculations.  |
| 400000123 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with system calculations.  |
| 400000123 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations.  |
| 400000129 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000129 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11375 | Audited data confirmed with Note.  |
| 400000129 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000129 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per compliance data in the loan file. |
| 400000129 |  |  | XXX | All Other Payments | creditLiabilitiesPage | XXX | XXX | Per credit report data. |
| 400000129 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD. |
| 400000129 |  |  | XXX | Interested Party Contributions | finalCdDetailPage | 0 | 0.06 | Confirmed with Final CD. |
| 400000129 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 79.27 | 6.0 | Confirmed with asset stmts.  |
| 400000129 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000129 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000131 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000131 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000131 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11375 | Audited data confirmed with Note.  |
| 400000131 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | XXX | XXX | Per income documents in loan file. |
| 400000131 |  |  | XXX | All Other Payments | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 400000131 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD. |
| 400000131 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 86.31 | 9.0 | Confirmed with asset stmts.  |
| 400000131 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000131 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000137 |  |  | XXX | Qualifying Interest Rate | notePage | 7.125 | 6.875 | Audited data confirmed with Note.  |
| 400000143 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000143 |  |  | XXX | Qualifying Interest Rate | notePage | 6.75 | 6.875 | Audited data confirmed with Note.  |
| 400000143 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000143 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.1175 | Audited data confirmed with Note.  |
| 400000143 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | XXX | XXX | Per final application. |
| 400000143 |  |  | XXX | Borrower 2 Qualifying Income | employmentIncomePage | XXX | XXX | Per final application. |
| 400000143 |  |  | XXX | All Other Payments | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 400000143 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD.  |
| 400000143 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXX | XXX | Homeowners plus windstorm.  |
| 400000143 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 384.96 | 6.0 | Per asset documents. |
| 400000143 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Per asset documents. |
| 400000143 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 400000147 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000147 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000147 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD.  |
| 400000147 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXX | XXX | Homeowners insurance plus wind. |
| 400000147 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Audited data confirmed with Note.  |
| 400000147 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents. |
| 400000147 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 51.07 | 6.0 | Per asset documents. |
| 400000147 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11625 | Audited data confirmed with Note.  |
| 400000149 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000149 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000149 |  |  | XXX | All Other Payments | creditLiabilitiesPage | XXX | XXX | Confirmed with credit report.  |
| 400000149 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with PCCD.  |
| 400000149 |  |  | XXX | Total Closing Costs | postConsummationCdDetailPage | 20958.27 | 2835.45 | Confirmed with PCCD. |
| 400000149 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000149 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 378.13 | 6.0 | Confirmed with asset stmts.  |
| 400000149 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with system calculations.  |
| 400000149 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.12125 | Audited data confirmed with Note.  |
| 400000157 |  |  | XXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 0.11625 | Audited data confirmed with Note.  |
| 400000157 |  |  | XXX | ARM Subsequent Interest Rate Change Frequency | notePage | 6 | 0.0 | Audited data confirmed with Note.  |
| 400000157 |  |  | XXX | ARM Initial Interest Rate Minimum | notePage | 2.75 | 0.028 | Audited data confirmed with Note.  |
| 400000157 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXX | XXX | Per HOI plus flood insurance. |
| 400000157 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000157 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 30.2 | 33.0 | Confirmed with asset stmts.  |
| 400000157 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with asset stmts.  |
| 400000159 |  |  | XXX | Cash to Close | finalCdDetailPage | XXX | XXX | Confirmed with Final CD.  |
| 400000159 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | 10.82 | 6.0 | Confirmed with system calculations.  |
| 400000159 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations.  |
| 400000159 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000159 |  |  | XXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Confirmed front end ratio with approval. |

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