# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-009596
**Filing Date:** 2026-4
**Character Count:** 984537
**Document Hash:** 6c03073b475b745944c6681dc77750e7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-009596.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001999371-26-009596

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

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20260430

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

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 26926969

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

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

**<u>EFMT DEPOSITOR LLC</u>**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

EFMT 2026-AE3

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

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

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

Robert A. Catarella, (203) 409-3596

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

#### PART I: REPRESENTATION AND WARRANTY INFORMATION
Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

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

Not Applicable

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

Not Applicable

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

#### Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer
The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

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

Not Applicable

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

---

| | | |
|:---|:---|:---|
|  | **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
|  | By: Ellington Management GROUP, L.L.C., <br> as its manager | By: Ellington Management GROUP, L.L.C., <br> as its manager |
| Date: April 30, 2026 | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
|  | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

**EXHIBIT INDEX**

99.01 [Digital Risk, LLC ()"**Digital Risk**") Narrative](ex99-01.htm)

1. [Digital Risk Findings Summary Report](ex991s1.htm)

2. [Digital Risk Exception Report](ex991s2.htm)

3. [Digital Risk Rating Agency Grades Report](ex991s3.htm)

4. [Digital Risk Valuation Report](ex991s4.htm)

5. [Digital Risk DI Summary Report](ex991s5.htm)

6. [Digital Risk DI DD Standard Report](ex991s6.htm)

7. [Digital Risk QM Supplemental Report](ex991s7.htm)

8. [Digital Risk Supplemental Report](ex991s8.htm)

9. [Digital Risk Additional Data Report](ex991s9.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01**

![](drlogo.jpg)

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 366 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-AE3 (the "Securitization"). The review began on January 16, 2026 and concluded on April 27, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW** **.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

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

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

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

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

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

2. <u>Review Approval Conditions</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

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

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

7. <u>Review Sales Contract</u> 

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

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

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

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

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

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

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

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

9. <u>Review Title Commitment/Policy</u> 

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

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

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

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

10. <u>Review Closing Documents</u>.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

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

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Valuation Review** 

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, (ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Compliance Review** 

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

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

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

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

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

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

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

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

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

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</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;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</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;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</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;a. Accept/Eligible
 decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
data integrity

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile
 AUS mismatches

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</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;a. Occupancy
 is supported

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</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;a. Validate
 names, social security number(s), and addresses

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</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;a. Validates
 Social Security number and year issued

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</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;a. Employment

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

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

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

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

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

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

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client |
|  | Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

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

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and |
|  | reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency |
|  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</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;a. Complete
 and executed

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</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;a. Verify
 sufficient coverage

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</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;a. Certificate
 in file

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</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;a. Vesting
 correct

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</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;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</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;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Valuation Review** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report.

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **COMPLIANCE REVIEW.** 

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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 Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk 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 Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

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

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

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

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

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

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

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

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

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

Rescission

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</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;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

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

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

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

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

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

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

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

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

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

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

● ● Note: Where available, Digital Risk 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, Digital Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</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;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</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;a. Texas:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not test:

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

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

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

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 366 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Loan Purpose | 113 | 30.87% |
| LTV | 173 | 47.27% |
| Maturity Date | 34 | 9.29% |
| Occupancy Type | 67 | 18.31% |
| Original Interest Rate | 183 | 50.00% |
| Original Loan Amount | 194 | 53.01% |
| Originator Back-End DTI | 7 | 1.91% |
| Property Type | 4 | 1.09% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 321 | $122269172.00 | 87.70% |
| Event Grade B | 45 | $17200352.00 | 12.30% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 366 | $139469524.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 359 | $137158476.00 | 98.09% |
| Event Grade B | 7 | $2311048.00 | 1.91% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 366 | $139469524.00 | 100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 341 | $129052599.00 | 93.17% |
| Event Grade B | 25 | $10416925.00 | 6.83% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 366 | $139469524.00 | 100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 295 | $114430405.00 | 95.16% |
| Event Grade B | 15 | $5065491.00 | 4.84% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 310 | $119495896.00 | 100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

EFMT 2026-AE3 Rebuttal Findings_Redacted

---

| |
|:---|
| Seller: |
| Deal ID: |
| Total Loan Count: 366 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 321 | 87.70% | Review Complete | 365 | 99.73% |
| 2 | 45 | 12.30% | In Rebuttal | 1 | 0.27% |
| ![](pie1.gif) | ![](pie1.gif) | ![](pie1.gif) | ![](pie2.gif) | ![](pie2.gif) | ![](pie2.gif) |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |
| 3 | 231 | 196 | 231 | 0 | 223 | 0 | 0 | 0 | 0 | 30 | 201 |
| 4 | 5 | 5 | 5 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 5 |
| 2 | 19 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 19 | 0 |
| 1 | 839 | 10 | 10 | 808 | 2 | 0 | 8 | 0 | 0 | 0 | 839 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | 109 | 90 | 1 | 18 | 0 | 0 | 26 |
| QM - Points and Fees | 25 | 25 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No Valid COC) | 12 | 12 | 0 | 0 | 0 | 0 | 3 |
| TRID - 10% Tolerance Violation (No Valid COC) | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| FACTA Disclosure - Missing | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - CD - Section B incorrect payee | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Incomplete | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Disbursement Date | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| Security Instrument - Name Discrepancy | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Payee Not Listed | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| QM - FAIL APR Lending Policy | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD - Total of Payments (TOP) Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Security Instrument - Missing Rider/Addendum | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HOC - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - $35 Tolerance Threshold/Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Property Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Property Address | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosure/Security Interest/Non Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Federal Testing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Closing Disclosure/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| State & Local Predatory Lending | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| State Regulations | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| NMLS - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | 75 | 71 | 4 | 0 | 0 | 0 | 8 |
| Debts - Not Verified | 30 | 30 | 0 | 0 | 0 | 0 | 2 |
| Liabilities - Excluded Debts | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Credit - Other | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Hazard Insurance - Missing/Insufficient | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Credit Missing - One or More Reports Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| MI - Missing Documentation | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Income - Business Tax Returns | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Assets - Bank Statements | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Income - Rental Property Income | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - (EAD) Risk Category | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Contract - Concessions | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Flood Certificate - Incorrect | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Residency Alien Documentation | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Income - Pay Stubs Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Aged | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Rental Property/Missing Lease | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Other | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Income - Miscalculated/DTI within Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Insufficient Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Tax Return Documentation Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE Self-Employed/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Occupancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| FEMA | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Valuation | 71 | 70 | 0 | 1 | 0 | 0 | 15 |
| Appraisal - Value is not supported within 10% of original appraisal amount | 70 | 70 | 0 | 0 | 0 | 0 | 14 |
| Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 0 | 0 | 1 |

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![](barchart1.gif)

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2153556 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153556 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153556 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU scores were not available, and the loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153562 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Loan Origination Fee $XXXX and Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Bona Fide Discount Point Calculations attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153562 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX, LE XX/XX/XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured and $XXXX is still needed. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COC attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153562 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153562 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153567 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX. The following fees were included in the testing: Loan Origination Fee $XXXX and Points $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached Bona Fide Discount Point Calculation.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153567 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153570 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX, LE XX/XX/XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured and $XXXX is still needed. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153570 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153570 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153571 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153571 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153572 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2153572 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. DU required minimum reserves of $XXXX to be verified with XXXX-day account statements. The loan file did not contain any account statements to verify assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2153573 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> revised coc for increase in fees<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The COC provided is sufficient to cure the exception. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The COC provided is sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153573 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Lender's Title Insurance, Doc Preparation Fee, Endorsement Fee. A total cost to cure in the amount of $XXXX is required, ofwhich $XXXX was cured at closing. A cost to cure in the amount of $XXXX remains. LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> revised coc for increase in fees<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The COC provided is sufficient to cure the exception. (Resolved).<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153573 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI within Tolerance | XXXX | The income is miscalculated on one or more borrowers resulting in a DTI that exceeds allowable tolerances (XXXX%) or DTI MAX. Resubmission to Underwriting or AUS is required. The child support income that was used is greater than the child support documents provided in the file for the youngest child. Correct income is $XXXX which is on page XXXX of XXXX of the child support information and order attachment. When using that income the DTI increases from XXXX to XXXX which is a XXXX% difference and needs AUS to be rerun. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> copy of rebuttal romU/W <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153573 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153578 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153578 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153578 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153580 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Reinspection Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Refund docs attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2153580 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153580 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153584 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153584 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153584 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153588 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153588 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153588 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU and LCA findings resulted in no score; however, there was no other valuation product found to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please re-review. The attached appraisal is in the file with an appraised value of $XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting Investor ordered secondary valuation product. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153589 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153589 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153589 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153594 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153594 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153604 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153604 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153604 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153610 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Security Agreement Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2153610 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Report attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153610 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153612 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153612 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153612 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153622 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153622 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153625 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153625 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153625 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153628 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153628 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153628 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153631 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi)). The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The lender has indicated the origination QM status was Exempt and not XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The lender has indicated the origination QM status was Exempt and not Safe Harbor. The information and document provided is sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153631 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153631 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153632 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. 12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The Following Fees were included in the testing: Lender Paid Broker Comp $XXXX, Discount Points $XXXX, Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see XXXX worksheet. Thank you<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The points and fees on an investment property is allowable up to XXXX%. Thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The UDR has been provided and testing has excluded $XXXX, XXXX in XXXX. The loan still exceeds the threshold by $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender designation at closing was Exempt Business Purpose. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153632 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153632 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153634 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153634 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153634 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153638 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153638 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153638 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153643 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM-Rebuttable Presumption. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii). | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153643 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State & Local Predatory Lending | XXXX | This loan failed the threshold loan points and fees test. (XXXX Cty. Code, Ch. 2 Art. V Div. 3 Subd. I Sec. 2-407(a) "Threshold loan" (2)). The total points and fees of the mortgage exceed 5% of the total loan amount in the case that the loan amount is $XXXX or greater, or $XXXX in the case that the loan amount is less than $XXXX. The loan is XXXX Countycompliant. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153643 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153643 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 2. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153650 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153650 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153650 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153654 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153654 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | An account with XXXX was used towards available assets. The AUS requires XXXX months of statements. The loan file contains printout covering a XXXX day period. Illegible statements from XXXX were provided in the loan file; however, reviewer unable to confirm account numbers, balances or transaction history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached statement <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153654 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file contains a CU with a Score of XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153655 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153655 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153655 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score was not provided. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153658 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153658 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153658 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153662 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153662 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153662 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153665 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153665 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153665 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153666 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153666 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153668 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR§1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The lender has indicated the origination QM status was Exempt and not safe harbor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The lender has indicated the origination QM status was Exempt and not safe harbor. The information an document provided are sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153668 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153668 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153669 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153669 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157617 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157617 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all the borrower's debts resulting in a DTI that exceeds allowable tolerances. The subject transaction is the purchase of an investment property. The borrower's primary housing PITIA was not included in the DTI. Per XXXX guidelines when a mortgage payment is being excluded documentation in the mortgage file must indicate a party other than the Borrower has been making timely payments for the most recent XXXX months and the party making the mortgage payments must be obligated on the Note. The property report reflects the borrower is obligated on the Note and a second mortgage with XXXX is reflected. Additionally, the mortgage is being paid out the joint XXXX checking account #XXXX. Including the PITIA on the primary residence results in the DTI increasing from XXXX% to XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Mortgage Statement for XXXX is not in the borrowers name. No obligation. No additional documents are required.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> There is no 2nd mortgage. Mortgage statement is XXXX. XXXX shows only XXXX mortgage with XXXX. Caliber homes is part of XXXX (see uploaded proof)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence the borrower is not obligated on the 2nd mortgage referenced in the finding. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157617 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154394 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. This loan has points and fees that exceed the points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154394 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file did not contain any evidence of the real estate taxes for the Borrower's primary residence. Documentation to support the tax amount stated on the XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154394 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154414 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154414 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154414 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The LCA score was XXXX and the CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141796 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee $XXXX, Points $XXXX, and Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM response<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Mavent<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX acknowledges loan delivery designation to Non QM. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Business purpose loans are exempt from QM but investments still fall under the qualified mortgage rule. Per client direction all loans were originated as qualified mortgages and not considered business purpose, therefore it was treated as a TRID loan and not business purpose exempt. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The XXXX snip provided shows the loan is failing the QM points and Fees test. IF any of the Points - Loan discount fee are XXXX fide please provide an Undiscounted Rate for testing. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Client agrees. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141796 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141796 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157628 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX $XXXX, Broker Indirect $XXXX, Points $XXXX, Tax Service $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157628 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157628 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157630 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157630 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close - Evidence of Liquidation | XXXX | DU findings state that if the XXXX account is being used for funds to close and it's XXXX% or more then verification of liquidation to cover funds to close is required, which could not be located within the loan file. Therefore these funds can only be used for reserves not liquid assets causing the loan to be short funds to close by $XXXX. Please provide verification of the liquidation of the XXXX acct ending in XXXX. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The XXXX% rule applies to whether or not we need to obtain evidence of liquidation. Non-liquid funds are $XXXX and we only need to use $XXXX. Because the verified funds are more than XXXX% of the required funds we do not need liquidation. The funds can still be used.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157630 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There is a HELOC reporting on credit with WFBNA HL acct ending in XXXX, opened on XXXX/XXXX for the primary residence that was not accounted for within the liabilities. Please provide a copy of the statement and a copy of the Note to verify the balance and minimum payment required. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Credit report reflects a $XXXX balance. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157630 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157638 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157638 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There was no explanation or support for the omission of one or more debts from the initial application. The loan file is missing documentation to support; a party other than the Borrower has been making timely payments on the XXXX XXXX mortgage for the most recent XXXX months. The XXXX/XXXX statement was not provided to support the omission of debt. If the $XXXX mortgage payment were included, DTI would increase from XXXX% to XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Other party pays<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157638 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154467 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154467 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154467 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Second appraisal provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 37766684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal is reflecting as owner occupied but the Market rent was completed, please correct to tenant occupied. Additional conditions may apply. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Clerical error. Noted compensating factors: XXXX qualifying credit score, $XXXX reserves, $XXXX residual income<br>**  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 37766684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142045 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The appraisal indicates that the property is located in a Planned Unit Development; however, the required XXXX is missing. Please provide the executed PUD Rider along with a revised mortgage that includes the necessary corrections on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142045 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142045 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154396 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154396 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154396 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154400 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154400 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154400 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154411 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154411 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject mortgage is a Rate/Term Refinance of an investment property. The borrower refinanced XXXX other investment properties (loan #s #XXXX, #XXXX, #XXXX) at the same time; however, the subject loan file did not contain documentation evidencing the loan terms and total payment amounts including HOA fees for the other XXXX newly refinanced properties as required. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CDs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing HOA fees for the XXXX properties. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CD's included HOA fees. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154411 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154412 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154412 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject mortgage is a Rate/Term Refinance of an investment property. The borrower refinanced XXXX other investment properties (loan #s #XXXX, #XXXX, #XXXX) at the same time; however, the subject loan file did not contain documentation evidencing the loan terms and total payment amounts including HOA fees for the other XXXX newly refinanced properties as required. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CDs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154412 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. The loan file also contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154405 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154405 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject mortgage is a Rate/Term Refinance of an investment property. The borrower refinanced XXXX other investment properties (loan #s #XXXX, #XXXX, #XXXX) at the same time; however, the subject loan file did not contain documentation evidencing the loan terms and total payment amounts including HOA fees for the other XXXX newly refinanced properties as required. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CDs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154405 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154415 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154415 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject mortgage is a Rate/Term Refinance of an investment property. The borrower refinanced XXXX other investment properties (loan #s #XXXX, #XXXX, #XXXX) at the same time; however, the subject loan file did not contain documentation evidencing the loan terms and total payment amounts including HOA fees for the other XXXX newly refinanced properties as required. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CDs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154415 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154480 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154480 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154480 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Appraisal - Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157910 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157910 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154456 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154456 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2157861 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157861 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157622 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157622 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The loan application indicated the rental property located at XXXX was refinanced with a new loan amount of $XXXX and monthly housing payment of $XXXX. The prior loan with balance of $XXXX was omitted. However, there was no documentation found in file to confirm the payoff of the current loan and verification of the new mortgage/housing payment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seagrass final CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157622 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157864 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> tracking<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157864 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157864 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is unavailable. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154474 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154474 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154435 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154435 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157640 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157640 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | Seller concessions exceed the maximum allowed of XXXX% by $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Invalid finding - Seller Credit = XXXX. Purchase Price - XXXX. XXXX% of XXXX = XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157640 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | The loan file is missing a VVOE for the co-borrower dated XXXX days prior to the XXXX date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Closing XX/XX/XXXX City of XXX - VOE dated XX/XX/XXXX = XXXX business days Reverification provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157640 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA needed/ordered.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Awaiting Investor ordered secondary valuation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154439 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154439 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154437 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | There is no evidence of a Power of Attorney document found in the file in order to confirm that the signatures on the note were completed correctly. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Invalid - all were provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154437 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | There is no evidence of a Power of Attorney document found in the file in order to confirm that the signatures on the security instrument were completed correctly. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> POA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154437 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157497 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX percent of the total loan amount of $XXXX total of $XXXX fee. The following fees were included in the testing: Administration fee $XXXX; XXXX fee $XXXX, Discount points $XXXX, tax service fee $XXXX and mortgage broker indirect fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157497 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: The Closing Disclosure was not received by the borrower prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated after consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signature was not required No fee changes, only XXXX added which benefits borrower with less cash to close<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> TRID response<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX/XXXX issue CD signed at closing XXXX/XXXX CD e-signed XXXX/XXXX is a Post CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. The Lender is required to ensure the borrower has the most up to date information on or prior to closing. The CD issued on XX/XX/XXXX was signed electronically on XX/XX/XXXX after consummation on XX/XX/XXXX. Evidence the borrowers received the CD issued on XX/XX/XXXX on or prior to XX/XX/XXXX is required. (XXXX)?<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Per (§ 1026.19(f)(2)(i)) For any other changes before consummationthat do not fall under the three categories above (i.e., related to the APR,loan product, or the addition of a prepayment penalty), the creditor still mustprovide a corrected Closing Disclosure with any terms or costs that havechanged and ensure that the consumer receives it. For these changes, there isno additional three-business-day waiting period required. The creditor mustensure only that the consumer receives the revised Closing Disclosure at orbefore consummation. (§ 1026.19(f)(2)(i); Comment 19(f)(2)(i)-XXXX through - XXXX.(Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The CD provided that was dated and signed XXXX/XXXX are sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157497 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157497 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The subject property is XXXX units; therefore, CU score is not available. The Loan file does not contain a secondary product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Additional secondary valuation supports. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 37766687 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX section is missing the name of the Borrower and the acknowledgment before the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Affidavit<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766687 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject property is a PUD with the monthly HOA dues payment listed as $XXXX on the DU findings; however, the loan file did not contain any documentation to confirm this amount. In addition, the XXXX XXXX Schedule E listed an additional rental property, XXXX, that was not disclosed on the loan application or included in the total debts. However, the loan file did not contain any documentation to confirm this property was sold or the reason it was excluded. Lastly, the loan application reflected the existing mortgage on the property, XXXX, in the amount of $XXXX was omitted and a new loan was acquired in the amount of $XXXX with a total payment of $XXXX. However, there was no documentation found confirming the payoff of the prior mortgage and verification of the new mortgage debt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154504 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154504 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154504 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154434 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154434 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154434 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154399 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154399 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154399 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154452 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154452 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157623 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157623 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD issued XX/XX/XXXX. (HOA Certification Handling Fee). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157623 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157623 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157871 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157871 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Final Closing Disclosure missing from the file to evidence pay off of mortgage with XXXX and installment debt with XXXX as required by XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CD pages1-XXXX with payoff on page XXXX section K<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX was not a payoff. It was omitted because they provided XXXX month payment proof that the loan is being paid by the borrower&#XXXX;s company XXXX. See XXXX month bank statements attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CD does not reflect payoff of XXXX installment debt. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157871 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final XXXXs are pages XXXX-XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157871 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154413 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154413 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154413 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154443 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. HOA certification fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154443 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154443 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154443 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154482 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154482 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154482 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No valuation product provided to support original appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154406 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154406 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154406 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of unable to process. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154401 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154401 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Credit report that is associated with the XXXX XXXX - XXXX#XXXXXXX was not provided in the file. Need credit report that is associated with AUS provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AUS and matching credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154401 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of XXXX. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154440 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX-XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD tracking<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt for the borrower has been provided. Please provide evidence of receipt for the co-borrower for review. (XXXX)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154440 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower and/or coborrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Borrower XXXX's final XXXX states that she is a Non-Permanent Resident Alien however there is no supporting documents in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EAD B2<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2154440 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157854 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX , which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Administration Fee $XXXX, Mortgage Broker Fee $$XXXX, and Points $XXXX. If discount points and fees are bona-fide and excludable, provide an undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The undiscounted rate evidencing that points were bona fide cleared the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157854 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157854 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766686 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Closing Fee on XX/XX/XXXX and Recording Fee on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The only fee subject to XXXX% tolerance is the recording fees. Borrower(s) shopped for title services. They were not paid to the service provider or an affiliate Recording fees $XXXX + XXXX% = $XXXX allowable - $XXXX charged = $XXXX which was cured XXXX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> All title fees were shoppable therefore are not subject to TRID tolerance<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Right to Choose Attorney disclosure reflects that the borrower elected for the lender/broker to select the attorney. As a result, the title fees are considered lender-selected and are subject to XXXX% tolerance testing regardless of whether the provider is an affiliated or listed on the service provider list. A cost to cure in the amount of $XXXX is still required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766686 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157925 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157925 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766688 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following pages of the Security Instrument (Mortgage/Deed of Trust) are missing: pages XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attachment<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766688 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766688 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157665 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157665 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157671 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157671 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. The AUS findings state that we need XXXX years of business returns in the file, however, only XXXX where provided. The borrower appears to have just purchased the business and became owner in XXXX (going off the XXXX). the business has been open since XXXX and in XXXX was the first year that they filed an XXXXs. Need prior years business returns to confirm no ownership for prior years since the income could have been filed as an XXXX which would not reflect on the borrowers XXXX personal returns. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Compensating factors: Self-employed XXXX years, $XXXX reserves, $XXXX monthly residual income, XXXX qualifying credit score w/no lates.<br>**  | XXXX. XXXX% DTI. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2157671 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI within Tolerance | XXXX | The income is miscalculated on one or more borrowers, however the recalculated DTI is not within allowable tolerances (XXXX%) or DTI MAX. Borrower XXXX's income is lower than what was originally submitted. Borrowers variance is just under XXXX% at XXXX% variance and back end DTI is XXXX% | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Can you tell XXXX what income you are using for XXXX? If the variance is XXXX% then we&#XXXX;re within tolerance additional analysis and/or a new AUS should not be needed. Thanks!<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Compensating factors: Self-employed XXXX years, $XXXX reserves, $XXXX monthly residual income, XXXX qualifying credit score w/no lates.<br>**  | XXXX. XXXX% DTI. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2157671 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154388 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: $XXXX (XXXX% of total loan amount for loans > $XXXX). The following fees were included in the testing: Administration fee $XXXX; indirect broker fee $XXXX, loan discount points $XXXX and tax service fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154388 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154388 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154388 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154488 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154488 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154488 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157641 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Broker Compensation $XXXX, Loan Discount Points $XXXX and Tax Service $XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX 2 (04/XXXX/XXXX XXXX2:16PM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC issued on XX/XX/XXXX for the increase to the Points - Loan Discount Fee was in the original loan file and was applied and does not effect the QM Points and Fees threshold violation. If any of the Points are Bona Fide, please provide the Undiscounted Rate for testing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The undiscounted rate evidencing that points were bona fide cleared the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157641 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject property is an investment property and rental income was used to offset the monthly PITIA. The DU approval required a Comparable Rent Schedule to be provided when rental income was utilized on the subject. The required Comparable Rent Schedule was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Revised to qualify with full PITI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> DU was not re-ran to show the higher DTI. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157641 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157858 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157858 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157738 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157738 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157738 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157840 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157840 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157840 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154438 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154438 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | According to the final CD, the borrower received $XXXX in seller credit; however, the purchase agreement did not indicate any seller paid costs and the loan file did not contain an addendum for seller paid costs. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is an invalid exception - it is not a requirement to have seller concessions present on the purchase contract <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154438 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154479 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154479 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154479 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157942 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157942 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157942 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Subject property XXXX family unit; therefore, CU score n/a. The Loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154447 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154447 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Pay Stubs Missing | XXXX | Secondary employment through the XXXX in the amount of $XXXX was utilized in the total qualifying income. XXXX and XXXX W2 and a VVOE were provided to support the income. The DU approval required the most recent paystub or a direct verification provided by third party to support the monthly income. Required documents were not provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154447 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | The borrower's paystubs from his primary employment with XXXX reflected a garnishment for child support in the amount of $XXXX per month. The debt was not included in the total liabilities. Including this liability in the total debts increased the DTI from the approved DTI of XXXX% to XXXX% exceeding the allowable resubmission tolerance. The DU would need to be rerun to update the approval allowing the higher DTI. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Revised to include child support<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154447 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154436 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154436 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154436 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157904 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157904 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The XXXX's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation in the file. The origination underwriter included rental income from the borrowers XXXX IRS REO Schedule E that was from the current primary residence. Per FNMA guidelines, rental income from a primary residence can only be included in qualifying income, if the property has an eligible ADU (Accessory Dwelling Unit) on site. The loan file contained a County Property Appraisers detail that reflected the primary dwelling was a XXXX unit single family residence property, and the loan file did not contain any additional documentation evidencing there was a qualified ADU located on the property. The origination approved DTI with the primary rental income is XXXX%, however, without the qualified ADU and primary rental income the DTI would increase to XXXX%, which exceeds guideline qualifying and could render the loan an ineligible transaction. Please provide documentation the primary residence qualifies per FNMA guidelines for the inclusion of the rental income as reflected on the XXXX REO XXXX\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. The property has two units.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157904 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154486 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154486 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158012 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158012 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158012 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158042 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158042 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report associated with the AUS is file #XXXX779 however the only credit report provided has file # XXXX. Provide most recent credit report and if not associated with the final XXXX on XX/XX/XXXX please associate with the final AUS and rerun with the correct credit file #. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Matching credit report #XXXX779<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158042 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster. XXXX declared XX/XX/XXXX for XXXX Severe Storms, Straight-line Winds, and Flooding (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX - XX/XX/XXXX which there is no appraisal in file. Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157902 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157902 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157902 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157873 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157873 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing proof that XXXX was outof service for all of XXXX which is required in order to use the lease provided to offset the PITIA. The property does not appear on the borrowers XXXX XXXX Sched E and the XXXX XXXX was not provided. Rental income for the subject (from the XXXX XXXX Sched E) cannot be used to offset PITIA as the appraisal does not include form XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per the final XXXX, XXXX XXXX was the prior primary home of XXXX. This address appears on W2&#XXXX;s, paystubs and tax returns. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157873 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOA dues for XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157873 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157619 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157619 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The subject loan is a Rate/Term refinance of a 2nd home property in an HOA development. The origination underwriter included HOA fees for the subject in the XXXX of $XXXX; however, the legal description reflects the community as XXXX. The loan file contained XXXX HOA statements, XXXX for XXXX of $XXXX and XXXX for XXXX of $XXXX. The loan file also contained a Final AUS/LP that reflected an XXXX was approved; therefore, the loan file did not contain an appraisal for confirmation of the correct HOA fees. It is unclear if the borrower owns an additional property in the XXXX or if both HOA fees apply to the subject property. The audit review included both HOA fees against the subject property, and as a result the DTI increased from XXXX% to XXXX% exceeding tolerance limits. The increased DTI is still within maximum DTI guidelines, but could void the appraisal waiver acceptance. Please confirm and provide an updated AUS reflecting the correct debts. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I agree that we should have included both HOA dues in the DTI. Having said that, the dues are quarterly. $XXXX + $XXXX / XXXX = $XXXX per month. Adjusted DTI XXXX% which is within tolerance.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157753 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157753 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157728 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157728 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157728 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157945 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Closing Disclosure/Missing | XXXX | The Closing Disclosure issued on XX/XX/XXXX is missing page XXXX of XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(f)(1)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CD with page XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157945 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157945 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157843 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157843 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157843 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX and XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157903 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157903 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157903 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157879 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157879 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157879 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157859 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | The Initial Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer three business days prior to the consummation date, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX receipt<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157859 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157859 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157846 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157846 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157846 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157602 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157602 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157602 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158025 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158025 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158025 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Subject is a non-UAD property. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158086 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158086 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158086 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157604 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Administration Fee $XXXX, Broker Compensation $XXXX, Discount Points $XXXX, and Tax Service $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157604 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157604 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158068 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158068 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158068 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157528 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157528 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157523 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157523 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157523 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157524 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157524 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157524 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157553 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157553 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157553 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157541 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157541 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157541 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU scores were not available. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158073 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158073 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There was no explanation or support for the omission of one or more debts from the initial application. XXXX debt associated with XXXX is omitted and using a new mortgage with XXXX however no supporting documents provided to support this. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PITIA for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158073 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158095 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158095 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157552 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157552 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157552 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158011 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158011 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158011 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157567 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded:XXXX% of total loan amount of the total loan amount of XXXX. The following fees were included in the testing: Administration Fee $XXXX, Appraisal Management Fee $XXXX, Mortgage Broker Fee $XXXX, Points $XXXX and Tax Service Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157567 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157567 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157505 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157505 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157505 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154476 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154476 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The monthly tax amount for the primary residence PITIA was not documented in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154476 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157639 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Address Discrepancy | XXXX | The property address on the Note is inconsistent with the Appraisal and Title provided in the loan file. The unit # is not complete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a XXXX unit home with each unit having it&#XXXX;s own street number. There are no unit numbers. The Appraisal lists the XXXX units street # range XXXX-XXXX (which XXXX, XXXX, XXXX). The Note is only required to list the first street # which is XXXX. No corrections needed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157639 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Property Address Discrepancy | XXXX | The property address on the Security Instrument is inconsistent with title and appraisal. The unit # is not complete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a XXXX unit home with each unit having it&#XXXX;s own street number. There are no unit numbers. The Appraisal lists the XXXX units street # range XXXX-XXXX (which XXXX, XXXX, XXXX). The Security Instrument is only required to list the first street # which is XXXX. No corrections needed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157639 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Property Address | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct property address when compared to the Title/Appraisal. The unit # is not complete. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(vi). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a XXXX unit home with each unit having it&#XXXX;s own street number. There are no unit numbers. The Appraisal lists the XXXX units street # range XXXX-XXXX (which XXXX, XXXX, XXXX). The CD is only required to list the first street # which is XXXX. No corrections needed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157639 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosure/Security Interest/Non Rescindable | XXXX | The Security Interest Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Security Interest Property Address is inaccurate when compared to the title/appraisal. The unit # is not complete. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(6). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a XXXX unit home with each unit having it&#XXXX;s own street number. There are no unit numbers. The Appraisal lists the XXXX units street # range XXXX-XXXX (which XXXX, XXXX, XXXX). The Security Instrument is only required to list the first street # which is XXXX. No corrections needed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157639 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157639 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU scores were not available. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154409 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154409 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154409 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141797 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Underwriting Fee. A cost to cure in the amount of $XXXX is required of which $XXXX was reimbursed. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141797 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141797 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154408 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154408 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154408 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2157502 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157502 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157502 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157498 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157498 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file contains a XXXX to the mortgage document that evidences the subject property is located in a PUD community; however, the loan file does not contain documentation verifying the HOA fees associated with the PUD community. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA dues $XXXX per month. When added to liabilities, adjusted DTI XXXX%.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154505 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154505 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154505 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157501 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157501 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157501 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157645 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157645 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157645 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154489 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154489 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrower's taxes for their primary residence were not verified in the loan file as required. Therefore it cannot be determined if the amount used of $XXXX, is accurate as it is not verified in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Taxes are on RQ<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154489 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157644 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157644 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157644 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154407 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154407 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The primary residence is noted on the loan application as free and clear. However, the loan file did not contain documentation confirming no liens on the property and there was also no documentation of the monthly tax payment in the PITIA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154407 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154506 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154506 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154506 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain an AVM, CDA, Field Review, 2nd appraisal, or CU score at XXXX or under to support the origination appraised value. The loan file contained a Fannie Mae CU with a score of XXXX; however, there was no additional valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2157647 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. The Security Instrument reflects the borrower and co-borrower which does not match the current vested interest. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157647 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD. Appraisal | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157647 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157647 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154389 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154389 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154389 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fee was not accepted: MERS Registration Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2157499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The XXXX Schedule E reflected an additional rental property, XXXX, that was not included in the debts or final application and there was no documentation in the file to verify this property was sold. In addition, the monthly homeowner's insurance payment for the primary residence (XXXX XXXX) housing PITIA was not verified. There was no documentation in the file to confirm the amount used. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per RQ, the property is not owned by the borrower, it&#XXXX;s owned by the non-borrowing spouse.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154431 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154431 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154431 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157667 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Mobile Notary Fee and Recording Fee, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pccd, alta<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank statements with XXXX checking XXXX with balance of $XXXX submitted to DU are missing from the file. Earnest money deposit of $XXXX cleared from this account according to the wire receipt in the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrower's rental property at XXXX, XXXX, CA XXXX reflects hazard/taxes/etc. of $XXXX per month and not verified in the loan file (Schedule E to tax return may reflect but also missing from the file). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Schedule E<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The borrower qualified with rental income on the rental property located at XXXX and the most recent tax return with Schedule E is missing from the file to determine the net rental income/loss. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | The borrower's self-employed qualification monthly income of $XXXX with XXXX. The most recent business tax return, as required by DU, is missing from the file in order to calculate the qualifying monthly self-employed income. The file does contain the signed tax return page for years XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Business tax return<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | A VOB is missing from the loan file for the borrower's self-employment with XXXX. within XXXX calendar days from the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Verification of Business<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157667 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157956 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report and Tax Related Service Fees. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2157956 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158024 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158024 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157512 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157512 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157512 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157514 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157514 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157514 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157519 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157519 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain a tax cert for the Borrower's primary residence. Therefore, there is no way of verifying the Borrower's primary taxes. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Tax statement from XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154444 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal Testing | XXXX | The file failed one or more of the federal threshold tests. Testing for TILA, Total of Payments, Federal and State threshold accuracy could not be completed due to XXXX is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154444 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | There was no explanation or support for the omission of one or more debts from the initial application. XXXX, XXXX and XXXX are all marked as omitted on the AUS however no supporting documents provided in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154444 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | MI - Missing Documentation | XXXX | The file contains no evidence that the proper amount of mortgage insurance was obtained. Coverage is included on the first payment letter however the certificate from the XXXX company showing proper coverage of XXXX% is not provided in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2154444 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file does not contain a UCDP. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The borrower owns other REO properties; however, the PITIA is not documented in the loan file for the rental properties located on XXXX and XXXX. Also, the primary located on XXXX was missing documentation verifying the RE Taxes. It is required that all properties owned verify the full PITIA payments to determine the actual qualifying DTI. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is on a Reservation which don&#XXXX;t have taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154454 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154454 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154454 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157649 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157649 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The DU reflected the appraisal was submitted to the UCDP on XX/XX/XXXX and reflect a CU score of XXXX. The actual UCDP/CU document was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UCDP&#XXXX;s<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157649 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157655 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157655 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The monthly taxes used to qualify on the borrower's primary residence located at XXXX were $XXXX. RealQuest was provided which verified only $XXXX. No further documentation provided to verify the higher amount. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I acknowledge the reviewer&#XXXX;s comments, however, I contend this is non-material. We qualified the borrower using the higher amount. I&#XXXX;m guessing that the $XXXX was an initial figure provided by the borrower, and not corrected when the actual documentation was provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Agreed. Not relevant to the loan decision. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157655 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157669 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title Search $XXXX, XXXX Fee $XXXX, and XXXX Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157669 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157669 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU was not provided. XXXX provided and supports the value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA Supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157625 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157625 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Occupancy | XXXX | The subject property is submitted as an investment property and there is an LOE in the loan file stating the borrowers intend to rent the property out at some point however currently the subject property is the primary resident of Borrower XXXX and has been for at least XXXX years. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I acknowledge the reviewer&#XXXX;s comments, however, I contend this is non-material. They are qualifying with worst case scenario (investment property) and including the full PITI. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157625 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157503 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157503 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157503 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157618 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Lenders title insurance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157618 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The LP loan approval allowed for an appraisal waiver; however, the PIW was not found in the loan file. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The AUS is the PIW approval - there is no additional documentation needed/required<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157618 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. There was no documentation in the loan file to support the qualifying value of $XXXX. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157841 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157841 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157954 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157954 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The loan approval required $XXXX to be verified in reserves. The Borrower had verified assets in the amount of $XXXX. Cash to close in the amount of $XXXX. Therefore, there is a shortage of verified assets for reserves in the amount of $XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, XXXX qualifying credit score, $XXXX monthly residual income, primary residence owned XXXX years, job stability XXXX years<br>**  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2157954 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141916 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141916 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141916 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of XXXX. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional secondary valuation product supports appraisal. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2157652 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following page of the Security Instrument (Mortgage/Deed of Trust) is missing: Page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All pages of the DOT & XXXX (pg XXXX was missing as well) are attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157652 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157652 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157636 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157636 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157636 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of unavailable. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> please see dvr<br>Buyer Comment 2 (XX/XX/XXXX XX:XXAM)<br> dvr<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154404 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154404 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154404 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154429 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154429 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154492 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154492 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154492 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141778 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141778 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The income is miscalculated on one or more borrowers, however the recalculated DTI is not within allowable tolerances (XXXX%) or DTI MAX. XXXX has other income reported on line XXXX of the XXXXS in the amount of $XXXX. The loan file did not contain any documentation supporting that this is normal recurring income and will continue going forward. If income is not included then the DTI is over XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> I acknowledge the reviewer&#XXXX;s comments. I recalculated income ignoring line XXXX and my calculation is $XXXX. The business was qualified using income $XXXX so it appears there is no impact to DTI.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Lender Response<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Disagree. If other income (Line XXXX) is backed out of bottom line other income (Line XXXX) the income is negative. (XXXX). (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> XXXX return supports significant other income as well. Supports recurring.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141778 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains a UCDP with a CU of XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154403 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154403 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154403 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154420 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154420 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154420 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141762 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Loan Origination $XXXX, Loan Discount Points $XXXX, Processing $XXXX and Underwriting $XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not Valid - Property is Investment and subject to XXXX% <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Compliance Ease<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> QM response<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The loan was not designated by the lender as business purpose exempt, therefore treated as a TRID loan. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are XXXX, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The UDR has been applied and updated testing still results in a QM Points and Fees fail. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Based on the Lender information provided, the loan was originated as a Business Purpose loan Exempt from QM testing. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141762 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141762 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154471 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154471 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The loan file contains I-797A showing work status from XX/XX/XXXX to XX/XX/XXXX. The subject loan closed XX/XX/XXXX and first payment will be due XX/XX/XXXX after expiration date of Approval Notice. No documentation was provided to confirm borrower has filed for an extension and no history of renewals were provided. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Invalid - Per the 797A - filing the form provides an automatic extension of the permanent resident alien card for XXXX-months from the expiration date<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154471 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154514 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154514 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154514 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The subject property is a XXXX unit family; therefore, CU score unavailable. No secondary product in file to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154387 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154387 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157648 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs for review<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attestation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt has been provided for XXXX. Receipt for XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157648 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Truth in XXXX (Regulation Z)12 CFR 1026.19(e)(4)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs for review<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attestation <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt has been provided for XXXX. Receipt for XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157648 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the revised LE date test, and the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Transfer Taxes. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> docs for review<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attestation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. A valid COC has been provided for the increase to the transfer taxes however; the loan is failing timing of the Revised LE and Initial CD. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157648 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157648 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157651 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157651 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157651 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157899 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157899 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157899 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141760 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX , which exceeded: (only include the below threshold The following fees were included in the testing: $XXXX, and $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not Valid - Origination fee of $XXXX is paid by the lender, not the borrower<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per the originating lender: This loan closed with an ATR/QM exemption due to the property being used for business purposes. The loan does meet agency guidelines for this exemption.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. QM rules specifically state that compensation paid to a broker, whether borrower-paid or lender-paid, is included in the points and fees calculation. Please provide Undiscounted Rate if any points are Bona Fide and can be excluded (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> There seems to be confusion with the finding itself. We are speaking about QM points and fees which are limited to XXXX% for all property types. It appears you are speaking about the HOEPA points and fees threshold ,which we agree is XXXX%. The data tape provided indicated that this loan was originated as a QM rebuttable presumption loan and not an exempt loan. Since it was originated as QM rebuttable presumption we tested QM points and fees thresholds, in this case it has failed the QM XXXX% threshold. If this loan was originated as an exempt transaction, please provide an updated data tape indicating the loan is was originated as exempt. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141760 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141760 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141760 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154502 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154502 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154502 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141746 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX reflecting bona fide and undiscounted rate<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Not Valid - Investment property are subject to XXXX% and QM test is XXXX%<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> According to the Fannie Mae Selling Guide, for loans that are Attribute-of-the-Borrower (ATR) Exempt (typically HFA loans or specific non-owner-occupied transactions not subject to TILA), the total points and fees must not exceed XXXX% of the total loan amount. Fannie Mae +XXXX Key details regarding ATR-exempt fee limits and related guidelines: XXXX% Limit Definition: The total points and fees calculation must follow Regulation Z (12 CFR § XXXX). Adjustments: This determination may account for permitted reductions of total points and fees (12 CFR § 1026.31(h)) or, for loans not subject to TILA, restitution to the borrower for fees exceeding XXXX% at closing. Per Reg Z 1026.3(a)(1) property is investment and not primary and therefore is subject to XXXX%<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> This upload applies to both compliance exceptions.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The UDR has been applied to testing and loans still fails the QM Points and Fees threshold. Fees included in QM Points and Fees testing: :Loan Origination Fee $XXXX, Points - Loan Discount Fee $XXXX, XXXX of which $XXXX, XXXX were excluded, Processing Fee $XXXX, Tax Service Fee $XXXX, and Underwriting Fee $XXXX, XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> If the investment-purpose loan is structured to meet Qualified Mortgage standards, the Points & Fees threshold is determined purely by the loan amount, using the same Regulation Z thresholds listed above. There is no separate or special threshold for investment properties—just the standard QM tiers. If the loan amount is equal to or greater than $XXXX, XXXX the threshold is XXXX% of the total loan amount. The loan amount is $XXXX, XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> There seems to be confusionwith the finding itself. We are speaking about QM points and fees which arelimited to XXXX% for all property types. It appears you are speaking about theHOEPA points and fees threshold ,which we agree is XXXX%. The data tape providedindicated that this loan was originated as a QM rebuttable presumption loan andnot an exempt loan. Since it was originated as QM rebuttable presumption wetested QM points and fees thresholds, in this case it has failed the QM XXXX%threshold. If this loan was originated as an exempt transaction, please providean updated data tape indicating the loan is was originated as exempt. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> If this loan was originated as an exempt transaction, please provide an updated data tape indicating the loan is was originated as exempt. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Lender affirms that loan was originated as a Business Purpose Exempt loan. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141746 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141746 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141746 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The LCA score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141741 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141741 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Incorrect | XXXX | The address reflected on the Flood Certification is XXXX, XXXX, XXXX, XXXX vs. XXXX-XXXX, XXXX, XXXX, XXXX as reflected on the Note and Mortgage/ Deed of Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a XXXX unit home. XXXX # XXXX is not required to be listed. Legal description matches.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141741 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The address reflected on the Evidence of Insurance is XXXX #XXXX, XXXX, XXXX, XXXX vs. XXXX-XXXX, XXXX, XXXX, XXXX as reflected on the Note and Mortgage/ Deed of Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX policy has the XXXX # after the street name. XXXX unit home. Address allowed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141741 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional secondary valuation review supports appraisal. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Application Fee, Lender Closing Fee and Loan Discount Point Fee. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Mavent reflecting bona fide discount points<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM requested<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional secondary valuation product supports appraisal. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141740 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141740 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | According to a credit supplement provided in the loan file the XXXX mortgage with a monthly payment of $XXXX was paid off. The lender included this payment in the DTI; however, it appears that the mortgage was refinanced and no documentation was provided to confirm new monthly payment. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We disagree - the credit supplement states paid in full and closed. Nothing in the file suggests a refinance and no new inquiries are present. The loan qualified on full PITIA of the mortgage that was PIF so nothing additional should be required <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Source of payoff funds was not included in your original finding verbiage. Please be sure to include all details of the findings before releasing them for us to work <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> DU <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Mortgage statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Regardless of inclusion, the credit supplement indicates paid off. DTI cannot be determined without evaluating the source of payoff funds. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon Senior Management review, mortgage for XXXX #XXXX shows as an active mortgage on XXXX and credit report dated XX/XX/XXXX. Credit Supplement dated XX/XX/XXXX reflects said mortgage was paid in full. No documentation in file to show if mortgage was refinanced, sold, or paid in full using assets provided. Although original payment was included in DTI we would need to see new PITIA payment if refinanced for accuracy on whether it went down or up. If property was sold we need closing HUD as proof sold and if paid in full and retained then source of funds used to payoff. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Updated DU is not sufficient. Please provide one of the following. Documentation of new PITI for XXXX or evidence and source of XXXX mortgage payoff in full. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141740 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141747 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141747 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Points, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured and $XXXX is still needed. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> rate lock<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> cure document<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC for rate lock was dated XXXX/XXXX however points increased on XXXX/XXXX. This is not within XXXX days of the change. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141747 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141747 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141742 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141742 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141742 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional secondary valuation product supports appraisal. Downgraded to an EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2157629 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157629 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application reflects that there is an additional expense on the borrower's primary home in the amount of $XXXX not verified in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No DTI impact that would require a new AUS please clear the exception <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Liability explanation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> To meet QM requirements, we document all debts reflected at loan application. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157629 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Subject property XXXX family; therefore, CU score unavailable. A secondary review product not provided in the file. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154430 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154430 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154430 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154391 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154391 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154391 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2135781 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2135781 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2135781 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141748 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Document Preparation Fee $XXXX, XXXX Fee $XXXX, XXXX Fee $XXXX, Processing Fee $XXXX, and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Not Valid - Investment property allowed XXXX% tolerance - total % is XXXX which is under the XXXX%<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Mavent reflecting undiscounted rate<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> UCD<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> occupancy affidavit<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The loan was not designated by the lender as business purpose exempt, therefore treated as a TRID loan. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are XXXX, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> he documentation provided is not sufficient to clear the finding. The Undiscounted Rate has been provided and applied; updated testing still results in a QM points and Fees fail. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentationprovided is not sufficient to cure the finding. The UCD did not provide any additional evidence to exclude any additional fees from the QM Points and Fees test. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141748 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141748 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - (EAD) Risk Category | XXXX | The Borrower is not a US Citizen and provided an Employment Authorization Document (EAD) with a Category of C33 indicating that the Borrower is an XXXX or under suspended deportation orders. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> C33 (DACA) recipients are eligible on Fannie DU AUSs. They are only ineligible on Freddie LP AUSs.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Borrower's EAD category is not allowed by the Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2141748 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The contract contained unallowable concessions. Seller concessions ($XXXX) exceeded the allowed amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Post CD attached correcting the excess of $XXXX on pg XXXX and a copy of the cashier&#XXXX;s check returning the funds to the seller.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141748 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154508 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154508 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154508 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU Score XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Additional secondary valuation product supports value. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>XXXX 3 (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141744 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141744 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141744 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review or 2nd appraisal. Fannie Mae analysis was not performed for this non-UAD for type. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional secondary product supports value. Downgraded to EV2. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154398 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154398 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154398 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154469 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154469 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154469 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154475 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154475 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154475 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154472 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154472 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | According to the loan application a new debt on existing rental property is in the process of being obtained in the amount of $XXXX with a monthly payment of $XXXX. No documentation was provided to confirm. Additionally, reviewer unable to determine if this is going to be a second mortgage or a refi of the existing mortgage on XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX Final CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154472 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | According to the loan application the borrower's primary residence has $XXXX in taxes, insurance and/or HOA dues. The loan file has documentation to confirm the property taxes; however, no documentation was provided to confirm insurance, HOA dues or mortgage statement to confirm is escrowed. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154472 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154503 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154503 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154503 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2157944 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157944 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157944 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157877 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157877 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157877 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157951 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157951 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157951 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154457 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154457 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154457 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157774 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157774 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157774 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154511 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154511 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154511 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The LCA had no results and the CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154421 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154421 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects the borrower obtained additional funds from his existing HELOC secured by the primary residence; however, the credit report and HELOC Statement in the loan file do not reflect a balance increase with a coinciding payment. The loan file does not contain other documentation to verify the most recent payment requirement on the HELOC to be considered in the PITIA for the primary and overall DTI qualifying. \*\*\*Additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154421 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file contains a PUD Rider attached to the Mortgage indicating the subject property is located in a PUD Community; however, the loan file does not contain documentation verifying the HOA fees to be included in the total PITIA for DTI qualifying. \*\*\*Additional conditions may apply\*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154481 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154481 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Aged | XXXX | A VVOE is required within XXXX Business Days of the Note Date. The VVOE in file is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Invalid - Paystub dated XXXX/XXXX was provided in file. I have uploaded it again. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154481 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154477 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154477 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154477 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157758 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157758 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX COMAR higher-priced mortgage loan test. (XXXX COMAR 09.03.06.02B(XXXX), COMAR XXXX)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the Code of XXXX Regulations (COMAR). The loan is a compliant HPML. Escrow and prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157758 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157758 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154455 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM-Rebuttable Presumption. Truth in XXXX (Regulation Z)12 CFR 1026.43(e)(1)(ii) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154455 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $35 Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) PCCD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX , which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Points - Loan Discount Fee $XXXX, Prepaid Interest $XXXX, Settlement or ClosingFee $XXXX, Underwriting Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Additionally, rescission needs to be re-opened. Truth in XXXX (Regulation Z)12 CFR 1026.23(h)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154455 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154455 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU Score XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154510 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154510 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154510 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score is XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154402 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154402 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154402 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU scores were XXXX and over. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2157751 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Administration Fee $XXXX, Points - Loan Discount Fee $XXXX, Processing Fee $XXXX, Tax Service Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> email regarding discount points<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The explanation provided is not sufficient to clear the exception. Fees included in the test: Points $XXXX, XXXX $XXXX, Processing $XXXX, Tax Service $XXXX, Underwriting $XXXX for a total of $XXXX. XXXX is $XXXX. The threshold is exceeded by $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157751 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157751 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154464 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154464 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154464 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154498 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154498 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154498 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154484 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154484 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154395 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154395 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154422 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154422 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154485 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date. The disbursement date of XX/XX/XXXX is inaccurate due to being prior to the consummation date. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154485 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154485 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2141895 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Closing Protection Letter $XXXX, ERecording Fee $XXXX and Lender's Title Insurance $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX% response<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial LE discloses Title - Commitment fee in the amount of $XXXX. The Final CD discloses a Title - Lenders Title Insurance in the amount of $XXXX; these are not the same fee. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141895 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX (XX/XX/XXXX). A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cure docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141895 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The borrowers own REO properties and the full PITIA is not verified on XXXX or XXXX. The loan file did not contain verification of the HOA or RE Tax on XXXX, and did not contain verification of the HOI on XXXX, which is the co-borrowers primary. Although the Note for XXXX reflects another person as solely responsible, it does not document if the mortgage includes escrows; therefore, it is required to document the missing HOI, along with the missing HOA and RE Tax for the XXXX property to evidence the full PITIA liability for qualifying. \*\*\*additional conditions may apply \*\*\* | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX, XXXX, XXXX XXXX is pending <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting additional documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX residual income, $XXXX monthly verified reserves<br>**  | XXXX. XXXX% DTI. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2141895 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141947 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141947 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)) The finance charge is $XXXX. The disclosed finance charge of $XXXX is not considered accurate because it is understated by more than $XXXX. The Final Revised CD indicates monthly XXXX cancels after XXXX years. The XXXX Cert reflects monthly XXXX continuing beyond XXXX years. At a XXXX% cancel point, XXXX would not cancel until month XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cure docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141947 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1)) The total of payments is $XXXX. The disclosed total of payments of $XXXX is not considered accurate because it is understated by more than $XXXX and the provided reimbursement amount of $XXXX is not sufficient to cure the inaccuracy. The Final Revised CD indicates monthly XXXX cancels after XXXX years. The XXXX Cert reflects monthly XXXX continuing beyond XXXX years. At a XXXX% cancel point, XXXX would not cancel until month XXXX. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cure docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2141947 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2141898 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141898 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI exceeds Originator Guidelines. Origination DTI XXXX% but review calculates at XXXX%. Income $XXXX which is $XXXX less than origination income. The issue is in the debts. Total calculated debts at origination are $XXXX. At review subject $XXXX + Primary $XXXX + lot $XXXX (PITI $XXXX/Taxes $XXXX) and Other debts of $XXXX = $XXXX/ Income $XXXX = XXXX% DTI. Difference in debts $XXXX and not sure where that is. It seems part of it is the lot was not originally accounted for. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PNMAC calculation income total $XXXX, XXXX and SS have been grossed up per tool. Total AUS $XXXX, Subject $XXXX (rental credit applied), Primary $XXXX, Neg Rent from additional property hit for the full PITIA $XXXX, total other liab $XXXX. Additional added liab amount $XXXX. Final DTI calculation XXXX% It appears the investor did not include the rental income being used towards the subject property. Final AUS FEI0066 states "rental income being used to qualify must be documented". Final appraisal provided XXXX for rent justification. However no lease has been provided. Full credit for rent not applied due to no evidence of the borrower having XXXX year history of investment property management, Additional property listed on XXXX was obtained XX/XX/XXXX, CD in the file confirming date acquired. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141898 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157708 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157708 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157708 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154427 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154427 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154427 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154418 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154418 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154418 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157733 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157733 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157733 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154493 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154493 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The final Loan application list rental property XXXX, with a mortgage payment of $XXXX. The loan file is missing the most recent mortgage statement for this property. The mortgage statement is required to determine the full housing expense/mortgage payment includes taxes and insurance. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage Statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154493 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157915 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157915 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766690 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766690 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766690 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157952 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157952 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157952 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154425 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154425 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan application reflects a new mortgage on borrower's primary residence; however, no documentation was provided to confirm monthly payment of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Primary <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154425 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154507 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154507 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154507 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157744 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157744 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157744 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141888 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). A valid change of circumstance was not provided in the loan file; therefore, the increases to the following fees were not accepted: Title - Lender's Title Insurance (payable to the affiliate of lender) and Credit Report. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured on the final CD. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2141888 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a purchase of an investment property with a Note date of XX/XX/XXXX, a loan amount of$XXXX, a LTV of XXXX%, and a DTI of XXXX%. The loan file contains a bank statement for accounts #XXXX and #XXXX dated XX/XX/XXXX that reflects several unsourced large deposits to #XXXX totaling $XXXX, with a wire out from #XXXX of $XXXX to a XXXX that is not reflected on the Closing Disclosure as the XXXX for the subject property. Additionally, the bank statement for account for #XXXX shows a wire out to the same mortgage company as the subject property loan in the amount of #XXXX onXX/XX/XXXX; however that wire also does not appear as a credit on the subject property loan's Closing Disclosure. The Final XXXX only lists the Borrower's current primary residence as the only REO owned. The Fraud Report was obtained and dated as of XX/XX/XXXX, which was prior to the December bank statement transactions, and the most recent credit report was obtained on XX/XX/XXXX that only lists their current mortgage company as two inquiries on the same day. it should also be noted the Borrowers employer listed on the XXXX with the position of Partner, is documented to be a Foreign LLC. Possible purchase of additional real estate owned prior to subject loan closing. Provide explanation and documentation clarification verifying there are no additional undisclosed real estate owned properties by the borrowers prior to the subject loan closing of XX/XX/XXXX. \*\*\*additional conditions may apply \*\*\* | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. Based on the notes it appears the loan was scheduled to close earlier, but the closing was postponed and funds returned. I don&#XXXX;t think there were two properties, just two closings for the subject. I ran MERS, no undisclosed properties for either borrower. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The subject property is XXXX XXX. The wire to XXXX from the borrower on XX/XX/XXXX in the amount of $XXXX appears to be for the purchase of XXXX XXXX. Please provided reconciling documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX monthly residual income, $XXXX verified reserves<br>**  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2141888 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154487 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154487 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154487 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766681 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766681 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766681 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU and LCA had no results due to an ineligible UCDP property type of manufactured home. The loan file did not contain any other valuation product to support the appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154490 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Origination $XXXX and Loan Discount Points $XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> $XXXX in loan points are bona fide for exclusion<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154490 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The lender requires that the HOI deductible be no more than XXXX% of the policy coverage. In this case the loan file contains a document that indicates that the property coverage is $XXXX; however, a policy or declarations page was not provided to confirm. Review unable to determine if the deductible is no more than XXXX% of the policy coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154490 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Theloan file contains a UCDP with a CU of XXXX. The loan file does not contain aCDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154463 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154463 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154463 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154496 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154496 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154496 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154453 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154453 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154453 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157593 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157593 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157593 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766685 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: title fees. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766685 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766685 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: origination fees. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766685 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766685 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766689 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | Security Instrument - Name Discrepancy. The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX, a/k/a XXXX and XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX, a/k/a XXXX and XXXX to XXXX is in the loan file, however it was not executed by XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Recorded QuitClaim Deed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> QuitClaim Deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> QCD was not included with the documents provided. Please re-submit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766689 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX/XXXX CD<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The XX/XX/XXXX Final CD was wet signed on the XX/XX/XXXX consummation date. The XX/XX/XXXX CD is a Post CD. There are no changes in APR, Amount Financed or finance charge therefore the borrower view date is not a factor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> According to the tracker, the borrower did not view the disclosure until after the closing date on XX/XX/XXXX. Revised changes known prior to settlement occurring must be received no later than closing date. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766689 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766689 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157927 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157927 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157927 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154509 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154509 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154509 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157928 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> MOD for Initial CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157928 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157928 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154441 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154441 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154441 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157500 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157500 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157500 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an AVM dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154410 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154410 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154410 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154393 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154393 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154424 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154424 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154424 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154426 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154426 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154426 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766682 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points $XXXX, Processing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> QM pass, property is Investment and subject to XXXX% tolerance<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> discount doc<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> According to the Fannie Mae Selling, for loans that are Attribute of the Borrower Exempt, the total points and fees must not exceed XXXX% of the total loan amount. Reg Z XXXX, 1026.3(a)(1)<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The threshold is based on loan amount not occupancy type. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are XXXX, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The UDR has been provided and testing has excluded $XXXX, XXXX in Bona Fide points. The loan still exceeds the threshold by $XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766682 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766682 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157635 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> QM pass, Investment and is subject to XXXX% threshold<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> docs <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investment loans still fall under qualified mortgages. The threshold is based on loan amount not occupancy type. Under QM if the loan amount is greater than $XXXX, the QM points threshold is XXXX%. If discount points are XXXX, please provided the undiscounted par rate. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Lender affirms that loan was originated as a Business Purpose Exempt loan. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157635 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrowers' investment property's tax and insurance were not obtained in the loan file to verify the accuracy of $XXXX used to qualify as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX expenses<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157635 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157889 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157889 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157889 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157596 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157596 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157596 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154512 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154512 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154512 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154473 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154473 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154473 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154432 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Initial CD<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX has been provided; however, evidence of receipt has not been provided. Please provide evidence of when the borrower received the CD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154432 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Lock Extension Fee and VOE. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COC <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Although the COC provided is valid; the COC was not accepted because there was a timing violation on the CD. Timing violation needs to be cleared before the COC would be acceptable. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154432 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154432 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154470 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154470 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154470 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154392 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154392 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154392 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. AVM provided and does not support value within 10%. CDA provided and supports the appraised value. As this was the second valuation product, per the rating agencies, this is graded an EV2. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided and does not support within 10%. DVR provided.<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports value. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2154416 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> tracking<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154416 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The subject is a XXXX Unit property and rental Income for the subject property was used to qualify. Lease agreements were required to document the monthly rent and the loan file is missing an executed lease agreement for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease Agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154416 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. There was no CU Score and the loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154483 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154483 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists debts that were not verified on the credit report and not independently verified. The loan file did not contain any documentation for the monthly HOA dues amount stated as $XXXX on the primary residence PITIA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157620 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157620 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The subject was a purchase money transaction. The required funds for closing including the POC's, EMD and closing funds were $XXXX plus reserves in the amount of $XXXX. The total verified borrower funds were $XXXX. Sufficient closing funds were documented; however borrower's funds were short of the required reserves in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> I believe sufficient funds have been verified. Using PCCD issued XX/XX/XXXX - Required funds: EMD $XXXX + POC $XXXX + cash from borrower $XXXX = subtotal $XXXX + reserves $XXXX = total $XXXX - Verified funds: EMD $XXXX + POC $XXXX + BAC #XXXX $XXXX = $XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157620 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157643 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157643 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157643 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154468 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154468 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154468 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154513 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154513 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154513 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157632 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157632 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PI and XXXX month mortgage history for XXXX (dec page shows XXXX as the mortgagee). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> According to the property profile, XXXX was never a lender on this property and there is no current XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157632 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154500 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154500 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154445 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Hybrid E-Sign Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154445 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154491 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154491 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154494 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154494 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154494 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157646 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157646 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157646 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154460 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154460 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154460 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157627 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2157627 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The loan file is missing the XXXX W2 for borrower XXXX. A year end paystub is in file but no transcripts or WVOE were provided to validate its authenticity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> FNMA B3-XXXX-XXXX allows the use of a year end pay stub in lieu of a XXXX and does not require a second form of validation. If you believe I am incorrect, please point out the FNMA guideline. Thanks!<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2154501 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154501 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154501 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157626 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Administration Fee $XXXX, Document Preparation $XXXX, Funding Fee $XXXX, MERS $XXXX, Processing Fees $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157626 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Credit Report Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC for Credit fee<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157626 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157626 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154423 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154423 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154423 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157642 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157642 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157642 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154461 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154461 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154461 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157555 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157555 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157555 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154462 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154462 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154497 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154497 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154497 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157621 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157621 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157621 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157633 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157633 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Application Fee $XXXX, Origination Fee $XXXX, Points $XXXX, Processing Fee $XXXX, and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Undiscounted rate, initial application and service provider list<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157633 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX, Endorsements, Escrow, Tax Certification, and XXXX Guaranty Fees. A cost to cure in the amount of $XXXX is required. It should be noted that there was no Service Provider List provided in the loan file therefore all XXXX fees were subject to XXXX%. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Undiscounted rate, initial application and service provider list<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SPL<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The loan is failing the Initial LE timing test and as a result there is a XXXX% tolerance violation. The application and SPL provided are dated XX/XX/XXXX. The earliest issued LE provided in the loan file is dated XX/XX/XXXX. A copy of the LE issued within XXXX days of the application date of XX/XX/XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The provided LE did not cure the violation. Due to no SPL being provided the title fees were held to XXXX% tolerance. A valid COC was not provided for the addition/increase to title fees. Cost to cure of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157633 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | There is no evidence of a loan application date provided in the loan file. Unable to determine if the Initial Loan Estimate issued on XX/XX/XXXX was disclosed within XXXX business days of the application date. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Undiscounted rate, initial application and service provider list<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The loan is failing the Initial LE timing test and as a result there is a XXXX% tolerance violation. The application provided is dated XX/XX/XXXX. The earliest issued LE provided in the loan file is dated XX/XX/XXXX. A copy of the LE issued within XXXX days of the application date of XX/XX/XXXX is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157633 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | As a result of additional information provided upon rebuttal, the loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The LE provided cured some of the citation. However the Verification of Employment increased on the CD issued XX/XX/XXXX without a valid COC. Cost to cure is updated to $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157633 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2157633 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154433 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154433 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154433 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154417 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154417 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154417 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU and LCA results contained no score; however, there was no other valuation product provided to support the appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154478 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154478 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154478 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157637 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157637 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157637 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154451 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154451 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154451 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154428 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154428 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154428 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154466 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154466 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154466 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154459 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154459 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154459 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. AVM provided and supports the appraised value within 10%. (Resolved) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM Supports (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The year the notary acknowledged the borrower signatures is missing on the notary acknowledgement, page XXXX of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> recorded SI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 37766683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain a mortgage statement to confirm the PITIA for the primary residence. Evidence the taxes and insurance are escrowed is required, or documentation confirming the taxes and insurance to include in the total debts. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PITIA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Adding primary residence taxes and insurance takes the DTI from XXXX% to XXXX%. DU must be resubmitted. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and will waive and accept at XXXX% DTI. Noted Compensating Factors: XXXX qualifying credit score, long term employment demonstrated, primary residence owned XXXX years, XXXXx30x99 months mortgage history<br>**  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 37766683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX; however, the loan file contains a CDA, dated XX/XX/XXXX, which supports value. As the CDA was a second valuation product, per the rating agencies, this is graded as an EV2. | Cleared |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154495 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(4)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LE and MOD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154495 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154495 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154449 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154449 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: loan origination fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> proof of delivery for Initial CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154449 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154449 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157634 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The year the notary acknowledged the borrower's signature is missing on page XXXX of XXXX. In addition, the change made to the state and county was not initialed by the notary. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX advised that we do not require further corrections for the State/County changes as they signed the notary and that's a form acknowledgement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157634 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157634 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158043 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158043 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158043 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. ? | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158056 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158056 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157673 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157673 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157734 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157734 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157734 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157663 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157663 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157663 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CU score was XXXX. The loan file did not contain any other valuation product to support the appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157679 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157679 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157679 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157888 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157888 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157746 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow and prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157746 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157746 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157746 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766691 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766691 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the XXXX rate spread home loan test. (XXXX GS §XXXX-XXXXF(a)(XXXX)) The loan is a rate spread home loan, as defined in the legislation. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766691 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766691 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157844 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157844 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157844 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157934 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157934 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157659 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157659 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157659 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157735 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157735 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. DU required XXXX years' tax returns when income is used in qualification. The loan file contained only XXXX year tax return for XXXX. XXXX tax return is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Invalid request - The business PVR is resulting in a loss, in addition the business was effective on July of XXXX for the articles of incorporation were provided in file supporting. This means there is no XXXX yr history and the loss is being included for the XXXX full year they do have which is XXXX being worse case scenario. FNMA only speaks to when using income(positive) the number of tax returns required not that if you have a loss the same rule applies. The subject property is also cash flowed through this business.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157735 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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)). The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157851 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157851 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157851 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157731 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Tax Service Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2157731 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. The XXXX XXXX tax returns which includes the schedule E is missing from the loan file. Please provide the Borrower's XXXX Personal Tax Returns for XXXX which will be used to verify the calculated rental income for the non-subject investment properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Tax Return<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157731 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The UCDP report in the file returned no CU score. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> dvr uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2157747 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157747 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157930 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157930 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157930 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157701 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157701 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157898 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157898 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157898 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157950 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157950 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157950 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157856 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157856 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157856 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157801 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157801 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | MI - Missing Documentation | XXXX | The file contains no evidence that the proper amount of mortgage insurance was obtained. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Mortgage Insurance Cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157801 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157590 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157590 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157590 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158087 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158087 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158087 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766693 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766693 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157809 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157809 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157809 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. The loan file did not contain a CDA. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 37766694 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766694 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157557 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157557 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157557 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158049 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158049 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158049 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158080 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158080 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158080 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158064 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158064 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158064 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158052 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158052 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158052 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157787 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157787 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157787 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158061 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158061 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158016 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158016 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158016 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded <br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157804 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157804 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157804 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766692 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766692 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766692 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157818 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | State Regulations. This loan failed the bona fide discount points test due to one of the following findings: (XX §24-1.1A (c)(1)(b)). The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XXXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2157818 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2157818 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2157811 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157811 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157811 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157611 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. (12 CFR §1026.19(f)(1)(ii)) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Initial CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157611 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157611 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157580 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | NMLS - Missing | XXXX | The XXXX Identifiers are not listed on the following required document(s): Security Instrument (Mortgage/Deed of Trust) and Note. Truth In Lending Act (Regulation Z) 12 CFR 1026.36(g) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157580 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX) $XXXX, Points $XXXX, Tax Service Fee $XXXX, and Technology Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157580 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157580 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157574 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157574 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157574 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158044 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158044 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158044 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157989 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157989 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157989 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score of XXXX and LCA of XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158002 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158002 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158002 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157971 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157971 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157971 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766695 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766695 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766695 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766696 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766696 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766696 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157998 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157998 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157998 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157983 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157983 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157983 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157981 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157981 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157981 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158003 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158003 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158003 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157966 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX. The date used for rate set is XX/XX/XXXX. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157966 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157966 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157563 | 1 of 2 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157563 | 2 of 2 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158005 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158005 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158005 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157967 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157967 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157967 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157964 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Loan Discount Points fee $XXXX, Processing fee $XXXX, and XXXX fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New data tape provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The new data tape provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157964 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2157964 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766697 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | 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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766697 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 37766697 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2157960 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157960 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2157960 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766698 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766698 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 37766698 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |

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## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Property Valuation Grade (Moody's)** | **Final Property Valuation Grade (Moody's)** | **Initial Property Valuation Grade (S&P)** | **Final Property Valuation Grade (S&P)** | **Initial Property Valuation Grade (Fitch)** | **Final Property Valuation Grade (Fitch)** | **Initial Property Valuation Grade (DBRS Morningstar)** | **Final Property Valuation Grade (DBRS Morningstar)** | **Initial Property Valuation Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** |
| XXXX | 2153556 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153562 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153573 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153578 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153669 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153632 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153666 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A |
| XXXX | 2153655 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153567 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2153650 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153570 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153594 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153665 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153588 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153638 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153622 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153631 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153571 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2153584 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153662 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153658 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153625 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153580 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2153628 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153668 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2153643 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2153589 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153604 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153654 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153572 | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| XXXX | 2153626 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2153612 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2153610 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 4 | 1 | 3 | 1 C A | C | A D C | C | A D C | C | A D C | C | A D C | C | A D |
| XXXX | 2153634 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2141760 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2141742 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2141744 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2141762 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2141740 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2141746 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2141752 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A |
| XXXX | 2141747 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2135781 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2141748 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C |
| XXXX | 2141741 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2141898 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2141895 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2141796 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2141778 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2141797 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2141947 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 2141916 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2141888 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C |
| XXXX | 2142045 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 37766683 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 2 | 2 C B | B | B C A | B | B C A | B | B C A | B | B C A | B | B C A |
| XXXX | 2154464 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157646 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154505 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157642 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157620 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 37766688 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154497 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154424 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154493 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154441 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154417 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154426 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154433 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154469 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154512 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154388 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154437 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2154511 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154401 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A | C | A B C | C | A B C | C | A B C | C | A B C | C | A B |
| XXXX | 2157644 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157634 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157503 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766689 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154399 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154439 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2157618 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154498 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157626 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154496 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154416 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154455 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 C B A | C | A C B | C | A C B | C | A C B | C | A C B | C | A C B |
| XXXX | 2154509 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157648 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157641 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157651 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154510 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154477 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154448 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 37766687 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 2157628 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154492 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154394 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154494 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154446 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154507 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157638 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154412 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154405 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154415 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154411 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154481 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154471 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154403 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154407 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154408 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2157502 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A | C | A B C | C | A B C | C | A B C | C | A B C | C | A B |
| XXXX | 2154440 | XXXX | XXXX | XXXX | 3 | 1 | 4 | 1 | 3 | 1 | 1 | 1 C A D | A | A C D | A | A C D | A | A C D | A | A C D | A | A C |
| XXXX | 2154447 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154483 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2154470 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154449 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154400 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154420 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154484 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154431 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154459 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154444 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154428 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154432 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154488 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157619 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2154462 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154474 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154402 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154489 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 37766681 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154491 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154387 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154419 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154501 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154452 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154480 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157622 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157632 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157643 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154461 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154486 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154485 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2154398 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766685 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2157621 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154454 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154468 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157500 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154443 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2157630 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154392 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 37766682 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157501 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A | C | A B C | C | A B C | C | A B C | C | A B C | C | A B |
| XXXX | 2154413 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2154487 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154514 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157649 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154409 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154422 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154467 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154473 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154456 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2154414 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154442 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154445 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2154430 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154476 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154427 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154418 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154482 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157633 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2157623 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2157497 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A |
| XXXX | 2154478 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154453 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154404 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154479 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154389 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157639 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154425 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157635 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154504 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154393 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154463 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154490 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2154466 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154502 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154450 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154499 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157640 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154396 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154423 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157617 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157499 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2157627 | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| XXXX | 2154451 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157645 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154475 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154472 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2154406 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154395 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154421 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2157652 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157498 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2154435 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154365 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157647 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 2154436 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154508 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 2154506 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A |
| XXXX | 37766686 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 37766684 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2154500 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157637 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154438 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157629 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154410 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154429 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2154391 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154457 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154503 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2154465 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154460 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2154513 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157625 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157616 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157636 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2154495 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2154434 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157903 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157669 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2157731 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A | C | A B C | C | A B C | C | A B C | C | A B C | C | A B |
| XXXX | 2157873 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157841 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157928 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157871 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157667 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157925 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157942 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157898 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157899 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157659 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157918 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157888 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157902 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157879 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157751 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157944 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157671 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2157912 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157774 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157945 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157843 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157744 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157758 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157926 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157934 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 37766691 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157750 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157735 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157851 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157663 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157655 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157846 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157679 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157950 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157665 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157889 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157930 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157856 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157747 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157728 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157753 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157861 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157746 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157859 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157915 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157738 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157858 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157904 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157840 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157877 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766690 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157733 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157951 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157844 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157927 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157922 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157734 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157910 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157854 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157673 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157864 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A C |
| XXXX | 2158016 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157580 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158064 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158073 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2157596 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158024 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157804 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157811 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158044 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158042 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2158086 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158011 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157593 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157818 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 2158049 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158012 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157611 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2158095 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158087 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157590 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157801 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 2158025 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157787 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158056 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2158043 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157604 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 37766692 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157809 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2158052 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157602 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158061 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157574 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158080 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158068 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157952 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157701 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157967 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157983 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157557 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158002 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157960 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2158003 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766697 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157684 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766694 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157553 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157524 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157998 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157519 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 2157954 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 2158005 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157552 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157541 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157956 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 2157505 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157555 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 37766698 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157971 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157981 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157964 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157512 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157567 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 2157514 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157528 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 37766695 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766696 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157989 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 2157523 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157563 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 2157708 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2157966 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 37766693 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

Valuation Securitization Report

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2153665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2153628 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153654 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2157856 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153655 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157983 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004C | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158012 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2157596 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2141762 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2141752 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX |  |  | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2141742 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -93.369% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141741 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141748 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141746 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2135781 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141744 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -19.096% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141740 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141760 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141778 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2141796 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141898 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141747 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2141895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2142045 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2141916 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -18.599% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2141797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157651 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154508 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -22.962% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -6.716% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2154442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2154469 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154472 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2154398 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154511 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -7.140% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2154457 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154481 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154477 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154455 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2154402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.799% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2154510 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 4.207% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2154485 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2154507 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154493 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -7.633% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157944 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154418 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 37766681 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004C | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.780% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157629 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.463% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154487 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XXXX | Other |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154463 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154425 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157899 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154424 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.409% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2154509 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2154426 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157635 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2154453 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154490 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2154441 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154464 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157500 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 14.516% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154430 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154473 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157751 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 37766682 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157871 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2153662 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2153610 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158073 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2157580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157604 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157877 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2154494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157733 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157634 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157630 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157859 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157758 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 37766683 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 37766690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2154466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2157617 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157927 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154431 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2157644 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.435% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2157774 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 37766688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX | -0.630% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157643 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 37766689 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | 25.224% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2154512 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157879 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2154495 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2157902 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157655 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157846 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157734 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157851 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157738 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157873 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157621 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157889 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157844 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157620 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157679 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2157602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154505 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 37766692 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2157590 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2153578 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153556 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153570 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153589 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153604 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154456 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157942 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157843 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -2.817% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2157746 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2157671 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154488 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154414 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2154415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154439 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154437 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154413 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2154447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2154434 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154407 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154504 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154388 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 2.013% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157641 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -24.811% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154401 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 6.660% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2154476 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154506 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2154440 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154404 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2154482 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154471 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2154443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 11.250% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154411 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -6.653% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2154448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2157628 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154438 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2154436 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 37766685 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2157503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 37766684 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157639 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -9.793% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154468 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2154403 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2157632 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -6.119% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157636 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  | XXXX | -100.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154420 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2157638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2154492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157648 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2154446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2157618 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 2.085% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141888 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2157951 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154432 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154392 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -14.545% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2153588 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153612 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2154451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2157626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 2.064% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157637 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157633 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154465 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154433 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2154478 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154419 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2154423 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154461 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154480 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154474 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154405 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154412 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154428 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157922 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157645 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2154450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157744 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 25.304% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154489 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157642 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.006% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157640 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -2.778% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154459 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.925% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157647 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2158049 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2157804 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154417 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | 11.767% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158086 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158087 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153668 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153643 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 37766695 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 37766693 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157555 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158002 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2157708 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157952 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157981 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157854 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158016 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153658 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2157523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2158044 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2157553 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154409 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157801 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153650 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153625 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157652 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2158080 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2157567 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157998 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153631 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 37766696 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157964 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158011 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2157622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157625 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157574 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157646 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2157971 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2157684 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2157557 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -9.078% | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2157967 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157505 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158052 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2158003 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157731 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157960 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 37766698 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158068 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154513 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2157787 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158095 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157926 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157728 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157945 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157904 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 37766691 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157950 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157663 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2153580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2154467 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 10.714% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2154394 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2157541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157512 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.093% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157593 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157659 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2157750 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157864 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766697 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.563% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2157611 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2157809 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.722% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2158064 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157818 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153666 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157811 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157898 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157912 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157667 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157903 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157735 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157966 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158043 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2154470 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157840 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157930 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2157954 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2153632 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153562 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153584 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153634 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2157989 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2157753 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153567 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158056 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153572 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157747 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154393 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158061 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766687 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154422 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157563 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154483 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154445 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157861 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157888 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157956 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157915 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154462 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766694 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154429 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157934 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157841 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154387 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154435 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153571 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154486 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154421 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154395 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157519 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157701 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766686 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154500 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157673 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141947 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157925 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158042 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153594 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | PIW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157910 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | PIW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Loan Purpose | 113 | 30.87% |
| LTV | 173 | 47.27% |
| Maturity Date | 34 | 9.29% |
| Occupancy Type | 67 | 18.31% |
| Original Interest Rate | 183 | 50.00% |
| Original Loan Amount | 194 | 53.01% |
| Originator Back-End DTI | 7 | 1.91% |
| Property Type | 4 | 1.09% |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2153556 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153562 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153567 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153570 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153571 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153572 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153573 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153578 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153580 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153584 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153588 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153588 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153589 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153594 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153604 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153604 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153610 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153612 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153622 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153625 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153626 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153626 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153628 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153631 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153631 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153632 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153634 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153638 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153643 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153650 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153654 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153655 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153655 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153658 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153662 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153662 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153665 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153665 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153666 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153668 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2153669 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2157617 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157617 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154394 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154394 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154394 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154394 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154414 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154414 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154414 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154414 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141796 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141796 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2141796 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141796 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157628 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157628 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157628 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157628 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157630 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157630 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157630 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157630 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157630 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157638 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2157638 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157638 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157638 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157638 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154467 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154467 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154467 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766684 | XXXX | Loan Purpose | Refi Cash-Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 37766684 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766684 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766684 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2142045 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2142045 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2142045 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2142045 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154396 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154396 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154396 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154396 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154400 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154400 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154400 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154411 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154411 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154411 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154411 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154412 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154412 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154412 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154412 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154405 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2154405 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154405 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154405 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154405 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154415 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154415 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154415 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154415 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154480 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154480 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154480 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154480 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154456 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154456 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154456 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157622 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157622 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157622 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157622 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157864 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157864 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157864 | XXXX | Property Type | SINGLE FAMILY | 2 Family |
| XXXX | XXXX | 2154474 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154474 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154474 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154474 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154474 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154435 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154435 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154435 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154435 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154435 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157640 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157640 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157640 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157640 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157640 | XXXX | Property Type | SINGLE FAMILY | 4 Family |
| XXXX | XXXX | 2154439 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154439 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154439 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154439 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154439 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154437 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154437 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154437 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154437 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157497 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157497 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766687 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 37766687 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766687 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766687 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154504 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154504 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154504 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154434 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154434 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154434 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154434 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154399 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154399 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154399 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154399 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154452 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154452 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154452 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154452 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154452 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157623 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157623 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154413 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2154413 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154413 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154413 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154413 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154443 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154443 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154443 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154443 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154443 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154482 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154482 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154482 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154406 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154406 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154406 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154406 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154401 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154401 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154401 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154401 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154440 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154440 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154440 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766686 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766686 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 37766686 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766686 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766688 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766688 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766688 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154388 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154388 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154388 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154388 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154388 | XXXX | Property Type | SINGLE FAMILY | 4 Family |
| XXXX | XXXX | 2154488 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154488 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154488 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157641 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2157641 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157641 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157641 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154438 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154438 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154438 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154438 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154479 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154479 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154479 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154479 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157616 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157616 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157616 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157912 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157912 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154447 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154447 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154447 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154447 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154436 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154436 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154436 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154436 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154486 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154486 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154486 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154486 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154486 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157619 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157619 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157619 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157619 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157619 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154476 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154476 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154476 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157639 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2157639 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157639 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157639 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154409 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154409 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154409 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154409 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141797 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2141797 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2141797 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141797 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154408 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154408 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154408 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157502 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157502 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157502 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157498 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157498 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157498 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154505 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154505 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154505 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157501 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157501 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157501 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157501 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157645 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157645 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157645 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154489 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154489 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154489 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157644 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157644 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157644 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157644 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157644 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154407 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154407 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154407 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154407 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154506 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154506 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154506 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157647 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157647 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157647 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154389 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154389 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154389 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154389 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157499 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157499 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154431 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154431 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154431 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157512 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157512 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154444 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154444 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154444 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154450 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154450 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154450 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154454 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154454 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154454 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157649 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157649 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157649 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157625 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2157625 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157625 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157625 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157503 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157503 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157503 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157503 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157503 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157618 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2157618 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157618 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157618 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157618 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157652 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157652 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157652 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157652 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157652 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154365 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154365 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157636 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2157636 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157636 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157636 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157636 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154404 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154404 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154404 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154429 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154429 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154429 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154492 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154492 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154492 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154492 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141778 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141778 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2141778 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141778 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154403 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154403 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154403 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154403 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154420 | XXXX | Loan Purpose | Refi Cash-Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154420 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154420 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154420 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154448 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154448 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154448 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154448 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141762 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141762 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141762 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154471 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154471 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154471 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154514 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154514 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154514 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154514 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154387 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154387 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154387 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154387 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157648 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2157648 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157648 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157648 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157648 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154446 | XXXX | Loan Purpose | Purchase | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2154446 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154446 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154446 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157651 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157651 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157651 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157651 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141760 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141760 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141760 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154502 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154502 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154502 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141746 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141746 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2141746 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141746 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141741 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141741 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141741 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141752 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141752 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2141752 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141752 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141740 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141740 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141747 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2141747 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141747 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2141747 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141747 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141742 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2141742 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141742 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141742 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157629 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157629 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157629 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157629 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154430 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154430 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154430 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154391 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154391 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154391 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154391 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2135781 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2135781 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2135781 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141748 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141748 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2141748 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141748 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154508 | XXXX | Loan Purpose | Refi Cash-Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154508 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154508 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154508 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141744 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141744 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141744 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154398 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154398 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154398 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154398 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154469 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154469 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154469 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154469 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154475 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154475 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154475 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154475 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154472 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154472 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154472 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154472 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154503 | XXXX | Loan Purpose | Refi Cash-Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154503 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154503 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154503 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154457 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154457 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154457 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154457 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154442 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154442 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154442 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154511 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154511 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154511 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154511 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154421 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154421 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154421 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154481 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154481 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154481 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154481 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154477 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154477 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154455 | XXXX | Loan Purpose | Purchase | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2154455 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154455 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154455 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154510 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154510 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154510 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154402 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154402 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154402 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154464 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154464 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154464 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154464 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154498 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154498 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154498 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154484 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154484 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154484 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154484 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154484 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154395 | XXXX | Loan Purpose | Refi Cash-Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154395 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154395 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154395 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154395 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154422 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154422 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154422 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154485 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154485 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154485 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154485 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154427 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154427 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154418 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154418 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154418 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154418 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154493 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154493 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154493 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154493 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154425 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154425 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154425 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154425 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154425 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154507 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154507 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154507 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2141888 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154487 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154487 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154487 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154487 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766681 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 37766681 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766681 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 37766681 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766681 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154490 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154490 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154490 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154490 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154463 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154463 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154463 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154463 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154496 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154496 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154453 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154453 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154453 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154453 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766685 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 37766685 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766685 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766685 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766689 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 37766689 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766689 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 37766689 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766689 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154509 | XXXX | Loan Purpose | Refi Cash-Out | First Time Home Purchase, as defined by XXX |
| XXXX | XXXX | 2154509 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154509 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154509 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154441 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154441 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157500 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157500 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157500 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154410 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154410 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154410 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154410 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154393 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154393 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154393 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154424 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154424 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154424 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154424 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154426 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154426 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154426 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154426 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766682 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 37766682 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766682 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766682 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157635 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157635 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157635 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157635 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154512 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154512 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154512 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154512 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154473 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154473 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154473 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154473 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154432 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154432 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154432 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154470 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154470 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154470 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154470 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154392 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154392 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154392 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154416 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154416 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154483 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154483 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154483 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154483 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154483 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157620 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157620 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157620 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157643 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157643 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157643 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154468 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154468 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154513 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154513 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154513 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157632 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157632 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157632 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157632 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157632 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154500 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154500 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154500 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154500 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154445 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154445 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154445 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154445 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154491 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154491 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154491 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154491 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154494 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154494 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154494 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154494 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154494 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157646 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2157646 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157646 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154460 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154460 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154460 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154460 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154460 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157627 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157627 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157627 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157627 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154501 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154501 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154501 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154501 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157626 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157626 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157626 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154423 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154423 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154423 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154423 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157642 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157642 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2157642 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157642 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154461 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154461 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154461 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154461 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154461 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154462 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154462 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154462 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154499 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154499 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154499 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154499 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154499 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154497 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154497 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154497 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154497 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157621 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157621 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157621 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157621 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154465 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154465 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154465 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154465 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154465 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157633 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2157633 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157633 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157633 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154433 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154433 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154433 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154433 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154417 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154417 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154417 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154417 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154419 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154419 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154419 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2154419 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154419 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154478 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154478 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154478 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154478 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154478 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157637 | XXXX | Occupancy Type | Second Home | Investment Property |
| XXXX | XXXX | 2157637 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157637 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154451 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154451 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154451 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154451 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154428 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154428 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154428 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154466 | XXXX | Loan Purpose | Refi Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154466 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154466 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154466 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154466 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154459 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2154459 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154459 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766683 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 37766683 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 37766683 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 37766683 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 37766683 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154495 | XXXX | Loan Purpose | Refi No Cash-Out | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2154495 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154495 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154495 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2154449 | XXXX | Loan Purpose | Refi No Cash-Out | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2154449 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2154449 | XXXX | Occupancy Type | Investment Property | Second Home |
| XXXX | XXXX | 2154449 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2154449 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2157634 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2157634 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157634 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2157634 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 37766692 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2157998 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** | **Borrower Last Name** | **Borrower First Name** | **Co Borrower Last Name** | **Co Borrower First Name** | **Subject Street Address** | **Subject City** | **Subject State** | **Subject Zip** | **MERs Min #** | **Qualifying Value** |
| XXXX | 2141762 | GQM Exempt - Business Purpose | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141752 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141742 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 35 | 0 | 0 | 1 | 0 | 0 | 1 | 2 | 34 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141778 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 9 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141744 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 12 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141796 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 1 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 24 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141746 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 20 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2135781 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 5 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141741 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141760 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 12 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141740 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 22 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 4 | 0 | 0 | 2 | 1 | 32 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141898 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141747 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 14 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141895 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141947 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2142045 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141797 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141916 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154394 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154414 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154467 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 24 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154396 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 3 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154400 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154411 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154412 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154405 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154415 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154480 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154474 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154435 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 9 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154439 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154437 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157497 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154504 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154434 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 25 | 0 | 0 | 1 | 0 | 0 | 2 | 2 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154413 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 2 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154443 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154482 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154406 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 1 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154401 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 19 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154440 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154388 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 25 | 0 | 0 | 2 | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157641 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 25 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154479 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154447 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154486 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154476 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154407 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154506 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 6 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154365 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157636 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 23 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154404 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154429 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 34 | 0 | 0 | 2 | 0 | 0 | 1 | 1 | 36 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154492 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154403 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 1 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154420 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154448 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 21 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154471 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154514 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 2 | 1 | 33 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154387 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157648 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 15 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154446 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157651 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154502 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 8 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157629 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 34 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154430 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154391 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154508 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 4 | 0 | 0 | 1 | 0 | 24 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154398 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154469 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 2 | 2 | 25 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154475 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154472 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX |  |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154503 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 7 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154457 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154442 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154511 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154421 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154481 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154477 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 24 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154455 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 14 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154510 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 13 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154402 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154464 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154498 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 3 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154484 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154395 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154422 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154485 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154427 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 3 | 0 | 0 | 6 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154418 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 35 | 0 | 0 | 3 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154493 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154425 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 2 | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154507 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154487 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 24 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766681 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154490 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154463 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 6 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 35 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154496 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154453 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154509 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154441 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157500 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154410 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 10 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154393 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 9 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154424 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 8 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154426 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 34 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766682 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157635 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154473 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX |  |  |  |  |  | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154432 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 27 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154392 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154416 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 6 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154483 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 7 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154513 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154445 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 35 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154491 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154494 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154460 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154501 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 0 | 1 | 24 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154423 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154461 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154499 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 36 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154497 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154465 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157633 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154433 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154417 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154419 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154478 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157637 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154451 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 45 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154428 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 2 | 19 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154466 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154459 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766683 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154449 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157634 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157628 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157638 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  | XXXX |  |  |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766684 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154399 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157623 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 0 | 24 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154438 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154436 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 13 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157619 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157639 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154409 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157498 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154389 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157499 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 24 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154444 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154454 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157649 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 38 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157503 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157618 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 8 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766685 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154468 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157632 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154500 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157627 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154462 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157910 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157922 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157665 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 83 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157859 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157899 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157944 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  | 0 |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157877 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157951 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157774 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157758 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 40 | 40 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157751 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157733 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 24 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157915 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766690 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157744 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157927 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 25 | 10 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157928 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157889 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157679 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157746 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 15 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157934 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157630 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 0 | 23 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157622 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766687 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 15 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 24 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154452 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766686 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154488 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157501 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157645 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154489 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 1 | 5 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157644 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154431 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154450 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 2 | 34 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157642 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157925 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157671 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | NJ | 1 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157942 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 11 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157926 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 | OH | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157904 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157753 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157728 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157945 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 16 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157843 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157879 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157673 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 24 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157663 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157844 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157659 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 12 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 12 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157735 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 | XXXX |  | XXXX |  |  |  |  | Business Tax Returns |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157918 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  | MI | 22 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157851 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157747 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157930 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 13 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 33 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157898 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2141888 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157617 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154456 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157640 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 16 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766688 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 4 | 0 | 0 | Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 7 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157616 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 6 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 10 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154408 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157502 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157647 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766689 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 21 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 23 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157643 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157646 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157621 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154495 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157750 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 25 | 0 | 0 | 8 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157864 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 2 | 182 | 0 | 0 | 4 | 0 | 0 | 1 | 2 | 5 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157840 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 3 | 0 | 5 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157912 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157902 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 25 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157903 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157655 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157734 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157888 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766691 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157652 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 33 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154505 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 5 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154512 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2154470 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 35 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157858 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157738 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157873 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 12 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157846 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157667 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157950 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  | CA | 9 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157856 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157625 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 20 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 3 | 2 | 0 | 0 | 0 | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157620 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157669 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 26 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 12 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157841 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158012 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 53 | 0 | 0 | 2 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158024 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157602 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157590 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157596 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 13 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157801 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 34 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158056 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 42 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158080 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 13 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157809 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157684 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157708 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 1 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157952 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 1 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157555 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157701 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 31 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766693 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766694 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157557 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153556 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 4 | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153562 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153567 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153570 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153571 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 19 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153572 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153573 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153578 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust | XXXX | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153580 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 |  | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153584 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153588 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 24 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153589 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 13 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153594 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153604 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153610 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153612 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 16 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153622 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 31 | 0 | 0 | 2 | 0 | 0 | 1 | 1 | 24 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153625 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 0 | 36 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153626 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153628 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153631 | GQM Exempt - Business Purpose | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 4 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153632 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 2 | 34 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153634 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 24 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153638 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 9 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153643 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153650 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153654 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153655 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153658 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 25 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153662 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 20 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153665 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153666 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153668 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 7 | 7 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 3 | 2 | 0 | 0 | 1 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2153669 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157871 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 16 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157854 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158061 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766692 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157818 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157611 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 25 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157528 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157523 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  | UT | 0 |  | XXXX | XXXX |  |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157524 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158002 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157971 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 25 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766695 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157983 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 12 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157981 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158005 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 168 | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158086 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158095 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 14 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157604 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 9 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158087 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 35 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157593 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 12 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158049 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158043 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 2 | 32 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158025 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158068 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 2 | 0 | 26 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158073 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 |  |  | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 26 | 0 | 0 | 3 | 0 | 0 | 2 | 1 | 26 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157804 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157580 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157861 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158011 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157787 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158016 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157574 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158044 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157553 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 8 |  | 2 | 1 | 9 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157567 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766696 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 1 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157998 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 23 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157967 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  | ID | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157964 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Personal Tax Returns |  | XXXX | 0 | 0 | 1 | 1 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766697 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 12 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157731 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 23 | 0 | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158052 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157552 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX | 0 | 0 | 1 | 2 | 26 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157505 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 6 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157956 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158003 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 2 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 2 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157563 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157960 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 37766698 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 9 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158042 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157811 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157541 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 1 | 69 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157512 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157514 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 1 | 25 | 0 | 0 | 2 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157519 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 3 | 0 | 26 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157954 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 1 | 26 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157989 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2157966 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2158064 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 1 | 0 | 6 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 8**

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| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** | **Original Qualifying FICO** | **Borrower Original FICO: Equifax** | **Borrower Original FICO: Experian** | **Borrower Original FICO: Transunion** | **Borrower Original FICO** | **Co-Borrower Original FICO: Equifax** | **Co-Borrower Original FICO: Experian** | **Co-Borrower Original FICO: Trans Union** | **Co Borrower Original FICO** | **Borrower 3 Original FICO: Equifax** | **Borrower 3 Original FICO: Experian** | **Borrower 3 Original FICO: Trans Union** | **Borrower 3 Original FICO** | **Borrower 4 Original FICO: Equifax** | **Borrower 4 Original FICO: Experian** | **Borrower 4 Original FICO: TransUnion** | **Borrower 4 Original FICO** |
| XXXX | 2153556 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153562 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153567 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153570 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153571 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153572 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153573 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153578 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153580 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153584 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153588 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153589 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153594 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153604 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153610 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153612 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153622 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153625 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153626 | Conv SC Fixed 30 Year | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153628 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153631 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153632 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153634 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153638 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153643 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153650 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153654 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153655 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153658 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153662 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153665 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153666 | Conv Fixed 30 Year Freddie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153668 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153669 | Conv Fixed 30 Year Fannie | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157617 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154394 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154414 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141796 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157628 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157630 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157638 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154467 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766684 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142045 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154396 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154400 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154411 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154412 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154405 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154415 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154480 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157750 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157910 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154456 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157861 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157622 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157864 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154474 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154435 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157640 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154439 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154437 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Self-Employed | Not Employed | Not Employed |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2157497 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766687 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157922 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154504 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154434 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154399 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154452 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157623 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157871 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154413 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154443 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154482 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154406 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154401 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154440 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157854 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766686 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157925 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766688 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157665 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157671 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154388 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154488 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157641 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157858 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157738 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157840 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154438 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154479 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157942 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157616 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157912 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154447 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154436 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157926 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157904 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154486 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158012 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158042 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157902 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157873 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157619 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157753 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157728 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157945 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157843 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157903 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157879 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157859 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157846 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157602 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158025 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158086 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157604 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158068 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157528 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157523 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157524 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157553 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157541 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158073 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158095 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157552 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158011 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157567 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157505 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154476 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157639 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154409 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141797 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154408 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157502 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157498 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154505 | Conventional 29 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157501 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157645 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154489 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157644 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154407 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154506 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157647 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154389 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157499 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154431 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157667 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157956 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158024 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157512 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157514 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157519 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154444 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154450 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154454 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Employed | Employed | Employed |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2157649 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157655 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157669 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157625 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Employed | Self-Employed | Employed |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2157503 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157618 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157841 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157954 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141916 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157652 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154365 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157636 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154404 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154429 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154492 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141778 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154403 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154420 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157684 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154448 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141762 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154471 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154514 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154387 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157648 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154446 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157651 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157899 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141760 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154502 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141746 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141741 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141752 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141740 | Conf 21-30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141747 | Conf 21-30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141742 | Conf 21-30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157629 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154430 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154391 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2135781 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141748 | Conf 21-30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154508 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141744 | Conf 21-30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154398 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154469 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154475 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154472 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154503 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157944 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157877 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157951 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154457 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154442 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157774 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154511 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154421 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154481 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154477 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157758 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154455 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 717 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154510 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154402 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157751 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 734 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154464 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 804 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154498 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154484 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154395 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154422 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 801 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154485 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 817 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141895 | Conf 21-30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | QM Non-Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141947 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141898 | Conf 21-30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157708 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 786 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154427 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154418 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157733 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 712 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154493 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157915 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766690 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 802 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157952 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 789 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154425 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154507 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157744 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141888 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154487 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 800 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766681 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154490 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154463 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154496 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 697 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154453 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 769 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157593 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766685 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 763 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766689 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 726 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157927 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154509 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 769 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157928 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154441 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157500 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 802 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154410 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154393 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 807 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154424 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 701 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154426 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 793 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766682 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157635 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157889 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157596 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 754 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154512 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 801 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154473 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154432 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 805 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154470 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 688 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154392 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154416 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154483 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157620 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 811 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157643 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 801 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154468 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154513 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 798 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157632 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154500 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154445 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154491 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 763 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154494 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157646 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 765 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154460 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157627 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154501 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157626 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 793 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154423 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157642 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154461 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157555 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154462 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154499 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154497 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157621 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154465 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 808 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157633 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 753 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154433 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 770 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154417 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 714 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154419 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 769 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154478 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157637 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 740 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154451 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 749 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154428 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 767 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154466 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 800 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154459 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 801 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766683 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Employed | Employed |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154495 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 759 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154449 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 780 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157634 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 782 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158043 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 806 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158056 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157673 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157734 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 754 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157663 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157679 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 817 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157888 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157746 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 749 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766691 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 786 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157844 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157934 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157659 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157735 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157918 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157851 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 780 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157731 | Conventional 30 Fixed | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157747 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 721 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157930 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157701 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157898 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 776 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157950 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 809 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157856 | Conventional 30 Fixed | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157801 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 814 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157590 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 752 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158087 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 808 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766693 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157809 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766694 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157557 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 793 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158049 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158080 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 809 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158064 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 804 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158052 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157787 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 792 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158061 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158016 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 793 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157804 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766692 | Conventional 30 Fixed | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157818 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 800 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157811 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 763 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157611 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157580 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157574 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158044 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 759 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157989 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 779 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158002 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157971 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766695 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766696 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 780 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157998 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 793 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157983 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157981 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 779 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158003 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157966 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 749 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157563 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158005 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2157967 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 768 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157964 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 719 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37766697 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 677 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2157960 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 37766698 | 30 Yr Fixed Rate Conv | Conforming AUS | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 767 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.1 - Schedule 9**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **AUS** | **Credit Decision** | **MI Company Name** | **Qualifying Value** |
| XXXX | 2141762 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141752 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2141742 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141778 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141744 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141796 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141746 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2135781 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2141748 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141741 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141760 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141740 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141898 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141747 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2141895 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141947 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2142045 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2141797 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2141916 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2154394 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154414 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154467 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154396 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154400 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154411 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154412 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154405 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154415 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154480 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154474 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154435 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154439 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154437 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157497 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154504 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154434 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154413 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154443 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154482 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154406 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154401 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154440 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154388 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157641 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154479 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154447 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2154486 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154476 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154407 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154506 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154365 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157636 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154404 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154429 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154492 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154403 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154420 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154448 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154471 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154514 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154387 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157648 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154446 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157651 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154502 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157629 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154430 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154391 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154508 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154398 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154469 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154475 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154472 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154503 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154457 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154442 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154511 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154421 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154481 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154477 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154455 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2154510 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154402 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154464 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154498 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154484 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154395 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154422 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154485 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154427 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154418 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154493 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154425 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154507 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154487 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766681 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154490 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154463 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154496 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154453 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154509 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154441 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157500 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154410 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154393 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154424 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154426 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766682 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157635 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154473 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154432 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2154392 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154416 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154483 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154513 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154445 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154491 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154494 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154460 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154501 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157626 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154423 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154461 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154499 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154497 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154465 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157633 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154433 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154417 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154419 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154478 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157637 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154451 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154428 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154466 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154459 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766683 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154449 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157634 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157628 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157638 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766684 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154399 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157623 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154438 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154436 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157619 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157639 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154409 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157498 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154389 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157499 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154444 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154454 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157649 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157503 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157618 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766685 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2154468 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157632 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154500 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157627 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154462 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157910 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157922 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157665 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157859 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157899 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157944 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157877 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157951 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157774 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157758 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157751 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157733 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157915 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766690 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157744 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157927 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157928 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157889 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157679 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157746 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157934 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157630 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157622 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766687 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154452 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 37766686 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154488 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157501 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157645 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154489 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157644 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154431 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154450 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157642 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157925 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157671 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157942 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157926 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157904 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157753 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157728 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157945 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157843 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157879 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157673 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157663 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157844 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157659 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157735 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157918 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157851 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157747 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157930 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157898 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2141888 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157617 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154456 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157640 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766688 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157616 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154408 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157502 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157647 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766689 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157643 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157646 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157621 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154495 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157750 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157864 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157840 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157912 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157902 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157903 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157655 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157734 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157888 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766691 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157652 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154505 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2154512 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2154470 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157858 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157738 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157873 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157846 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157667 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157950 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157856 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157625 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157620 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157669 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157841 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158012 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2158024 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157602 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157590 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157596 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157801 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2158056 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158080 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157809 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157684 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157708 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157952 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157555 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157701 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 37766693 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766694 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157557 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153556 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153562 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153567 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153570 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153571 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153572 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153573 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153578 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153580 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153584 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153588 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153589 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153594 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153604 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153610 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153612 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153622 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2153625 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153626 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153628 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153631 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153632 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153634 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2153638 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153643 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153650 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153654 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153655 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153658 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153662 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2153665 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153666 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2153668 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2153669 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157871 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157854 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2158061 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 37766692 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157818 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157611 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157528 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157523 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157524 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158002 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157971 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766695 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157983 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157981 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158005 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158086 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158095 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157604 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158087 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157593 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158049 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158043 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158025 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158068 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158073 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157804 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157580 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157861 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2158011 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157787 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2158016 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157574 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158044 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157553 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157567 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766696 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157998 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157967 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157964 | DU | Approve/Eligible |  | XXXX |
| XXXX | 37766697 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157731 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158052 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157552 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157505 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157956 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158003 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157563 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157960 | LP | Accept/Eligible |  | XXXX |
| XXXX | 37766698 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2158042 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157811 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157541 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157512 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157514 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2157519 | DU | Approve/Eligible |  | XXXX |
| XXXX | 2157954 | LP | Accept/Eligible |  | XXXX |
| XXXX | 2157989 | DU | Approve/Eligible | XXXX | XXXX |
| XXXX | 2157966 | LP | Accept/Eligible | XXXX | XXXX |
| XXXX | 2158064 | LP | Accept/Eligible | XXXX | XXXX |

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